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The Retirement Salary®

Income that lasts a lifetime

Income That Lasts a Lifetime.

Not outliving your nest egg is one of the biggest challenges facing retirees today. You need income from your investments, but you also need growth to ensure your portfolio lasts throughout your retirement. That’s why the financial advisors at Financial Synergies developed The Retirement Salary® to meet this challenge.

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Retirement Salary®
Video

Don’t let an improperly allocated investment portfolio derail your golden years. Watch The Retirement Salary® video to learn more.

Challenges | Benefits

The Challenge for Retirees

The Benefits of our Program

A Two-Pronged Solution

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

Salary Component​

The security of a consistent salary doesn’t have to go away in retirement.

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.

Growth Component

Your retirement time horizon could be longer than anticipated – you’ll need growth from your investments.

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.

Methodical, ongoing portfolio management

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.

At Financial Synergies, our team of Houston financial advisors have been applying The Retirement Salary® methodology for decades through many challenging market environments, and it has served our clients well. Let our team help you create a customized retirement income strategy that’s ideally suited to your needs and specific situation. Please contact our wealth management advisors today to see how we can serve you!

Put These Questions to Rest

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

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