Expertise in Retirement Planning

Specialized Expertise in Retirement Planning

When it comes to designing income streams for those in retirement, we think differently than most investment advisors. Too often, the investment portfolio is designed to focus on a long-term return target without considering the shorter-term needs for income. This often leads to selling assets at inopportune times to meet a family’s income needs. Our process is much more synonymous with strategies used by large pension plans, focusing on matching specific assets with liabilities or monthly income needs. We will purchase individual bonds that mature on a regular basis in order to fund clients’ cash needs. Cribstone believes that this process will lead to greater stability in the portfolios that we manage, immunizing from market risk money that we know will be spent.