Retirement Income Planning

Replacement income after your paychecks cease.
Income streams to last for life, factoring;
- Social Security and Pensions.
- Health, Medical Expenses, and Time Horizon.
- Composition of your savings and expected future taxes.
- Budget and Lifestyle (Activity & Travel).

81% of pre-retirees consider it important or very important to have a detailed retirement income plan.

Risk Profile / Evaluation

Collaborating with each client, we determine the right level of risk to be taken with your investments.
Your profile balances your needs for income, growth, and capital preservation.
The Time Horizon your funds will be invested over is a primary driver in determining a suitable level of risk for your portfolio. How much time do you have to ride out the ups and downs of the markets?
Your current and expected future financial situation is factored into a prudent approach to risk.
Your personal tolerance and appetite for risk are important considerations.

We strike a balance between risks and return that will keep your investments on track, allowing you to sleep well at night.

Based upon your customized risk profile, we spread your investments across a variety of assets.
- MCM identifies the most effective options for growing and protecting your investments.
- We smooth out volatility by making investments we expect to increase in value over the long run, but not necessarily move in concert over the short term (lower correlation.)
Asset Location strives to minimize the bite of taxes.
- MCM locates more tax-efficient investment vehicles in your taxable accounts.
- We locate less tax-efficient investments in your tax-deferred accounts or tax-free (Roth) accounts.

The right assets in the right accounts provide your nest egg sustainable growth for the long run.

Your investments receive constant ongoing attention.
- Markets and the economy are always evolving. As they change, we make adjustments to your portfolio.
- Trades are made by MCM on your behalf, when we identify attractive opportunities to harvest profits, enhance income, or invest for growth.
You receive the attention you want.
- Financial expertise is a phone call away. MCM is your personal financial coach.

Your portfolio benefits from ongoing attention and the knowledge of an experienced adviser. You have a trusted financial partner.