Lifetime Wealth Portfolios SM
Lifetime Wealth PortfoliosSM is a managed account solution that provides you with all the benefits of a comprehensive investment management service, including objective and independent research, strategic asset allocation, access to an extensive universe of mutual funds, and quality insurance coverage — all tailored to your needs in a simplified approach focused on maximizing value over your entire lifetime.
Lifetime Wealth PortfoliosSM marks a unique advance in wealth management by bringing together Ibbotson Associates’ pioneering expertise in human capital and risk tolerance based portfolio assignment, Morningstar Inc.’s extensive mutual fund research data, Eagle Strategies' innovative approach to insurance product selection, and rigorous investment management provided by four various sub-advisers — all together to create an integrated investment and insurance strategy to help meet your financial goals.
Pascal will help sort through the many investment and insurance choices available to our clients.
Our Fund Managers
Brinker Capital
Brinker Capital provides competitive, risk adjusted returns using asset allocation strategies that seek consistent, competitive performance within stated risk and return parameters to help minimize downside risk in troubled periods and maximize returns in bull markets.
Ibbotson Associates
Ibbotson Associates follows a proprietary five-step methodology and customizes this approach for clients based on their needs. They analyze and forecast asset classes through historical data, long term expected returns, standard deviations, and correlation coefficients. Ibbotson creates asset class models on the basis of mean-variance optimization, a Nobel prize-winning economic theory.
Frontier Asset Management
Frontier Asset Management is an independent asset management firm that manages portfolios for a select group of financial advisors and their clients. Through Frontier's people and process, they offer a proven approach to helping you reach your long-term financial goals.
Sage Advisory Services Ltd. Co.
Sage Advisory Services Ltd. Co., is a Registered Investment Advisory firm that was founded in 1996 by Robert G. Smith, III and Mark C. MacQueen. Sage's mission is to better meet the unique investment management needs of institutions and individuals through industry-leading analytical services, innovative investment solutions and an unwavering focus on risk management. Sage is entirely employee owned and currently manages institutional and private clients across the nation.
Loring Ward
Loring Ward offers portfolio management programs that are tailored to the unique needs of successful individuals, small businesses and institutions. Their Structured Investing philosophy combines more than eight decades of market data, the latest discoveries in behavioral finance, and Nobel Prize-winning academic research, including Modern Portfolio Theory, a system that uses diversification to seek optimal returns for the level of risk an investor is willing to accept.
Fund Evaluation Group
Fund Evaluation Group, LLC (FEG) is an independently-owned, full-service investment advisory firm. FEG has provided investment solutions and services for 25 years. Their mission is to empower their clients to achieve their goals through superior investment performance, objective insights, and research.
Morningstar Investment Services
Morningstar Investment Services uses an objective, independent research process to construct portfolios designed to meet each client's unique needs and objectives. Morningstar leverages Ibbotson Associates' pioneering asset allocation models to help ensure that portfolios are well diversified.
Lifetime Wealth Strategies
An integrated approach to personal wealth management that provides our clients with dynamic investment and insurance strategies that respond to every stage of their lives.
What do you include when asked to determine the value of your total economic wealth? If you are like most investors, you probably turn to a balance sheet of financial assets such as stocks, bonds, mutual funds, real estate holdings, and retirement savings accounts to calculate your financial net worth. This traditional definition of wealth, however, is incomplete. It overlooks what may be your largest asset – your “human capital”.
Human capital is the present value of all your expected future income, including your pension income and Social Security benefits. Our approach is to evaluate your current income, your savings rate, and your work or retirement situation to help determine how large an asset human capital is for you and its affect on your overall asset allocation.
Your human capital should drive life insurance selection and asset allocation decisions in pre-retirement and retirement. In pre-retirement, incorporate life insurance into your asset allocation to help mitigate risk and enhance the economic value of your portfolio. In retirement, use guaranteed lifetime income annuities* to hedge against the risk of outliving your retirement savings.
With our guidance in the assessment of your financial situation and the establishment of your goals and priorities, we can develop long-term financial strategies for you that provide solutions that address both asset allocation and insurance needs.
