How We Do It

Time-Targeted Growth

Time-Targeted Growth aligns your investments with the timing of your real-life goals.

Once your essential expenses are secured through our Safety-First approach, we invest the remaining assets in portfolios built around defined time horizons. Instead of relying on generic age-based models, we use time-targeted strategies grounded in historical data dating back to 1927. Each portfolio is constructed to reflect when you will actually need the money, reducing the risk of selling during a downturn while keeping your long-term goals on track.

If your first ten years of income are already secured, your growth portfolio is optimized for the next seven to fifteen years. As your timeline shifts, so do the portfolios. This creates a dynamic, responsive strategy that adjusts as you move through retirement rather than locking you into a static glide path.

A key part of this design comes from “minimax” game theory, which focuses on creating your best worst-case outcome. Instead of chasing maximum potential returns, we aim to minimize regret and reduce the emotional strain that comes from poor timing or unexpected market behavior. This approach seeks to limit the worst possible outcome while still giving you meaningful long-term growth.

Time-Targeted Growth provides clarity, confidence, and a strategy built around your actual retirement journey—not a one-size-fits-all template.