The Retirement Salary®

Income that lasts a lifetime.
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Retirement Salary®
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The Challenge for Retirees
  • Inflation
  • Market downturns
  • Taxes
  • Outliving your money
  • Unexpected expenses
The Benefits of our Program
  • Steady income in retirement
  • Your investments continue to grow
  • Flexibility to adjust your income as needed
  • This is not an annuity
  • Your money is never locked up

A Two-Pronged Solution

The Retirement Salary® program is designed to manage risks through two components:


A steady income that you control consisting of cash, money market funds, and short-term bonds. Your distribution is direct deposited in your bank account regularly and is designed to deliver a consistent stream of income. The salary component coordinates with other streams of income like Social Security, pension income, and royalty income.


The engine of your portfolio, designed to outpace inflation through a diversified mix of stocks, bonds, and real estate. The allocation is designed to meet your specific goals, risk tolerance, and income needs. The profits from the growth component feed the salary component to create a consistent and reliable stream of income.

If we enter a prolonged downturn in the stock market, we’ll look to the bond positions of the growth portfolio as the second-tier cash reserves. This will prevent us from having to sell stocks when they are down. Bonds can act as a defensive mechanism during stock market pull-backs, often producing positive returns. This would only be necessary in extreme environments.

We’ve been applying The Retirement Salary® methodology for decades through many challenging market environments, and it has served our clients well. Let our Financial Synergies team help you create a customized retirement income strategy. Please contact us to see how we can serve you!


How much money do I need to save before I can retire? How much money can I live on in retirement? How do I design an investment portfolio to produce retirement income?

Questions like these led us to design The Retirement Salary® program.


The Retirement Salary®

The Financial Synergies Retirement Salary® program is our proprietary retirement income strategy. The objective of the Retirement Salary® program is to produce a steady and predictable income to the retiree, while continuing to grow the investment portfolio conservatively over time, outpacing inflation. The growth component of the portfolio is invested in a diversified mix of stocks, bonds, real estate, commodities, and alternative strategies. The income component is invested in ultra-short duration bonds and money market funds.

Please view our video and contact us with additional questions.

Financial Synergies

Financial Synergies Wealth Advisors is a fee-only Financial Advisor located in Houston, Texas. For more than thirty years we’ve been serving the financial needs of individuals, families, and businesses from around the world. Our primary goal is to simplify your financial life. Our Certified Financial Planner™ professionals and advisors combine holistic financial planning and investment management to deliver Total Wealth Management for our clients.

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