Broker Check


Income oriented investors place emphasis on dividends and interest from their investments to maximize the income the portfolio can generate. Most often income investors simultaneously desire managing the level of portfolio risk; think credit quality of bond issuer, length of time until bond maturity, etc. And, those who strive for income from the portfolio understand the compromise to forego some desired growth and safety in order to achieve a higher level of current income.

Sufficient Retirement Income

Many investors utilize their 401(k), 403(b), 457, TSP, and other plans and contribute regularly for the purpose of building assets that will sustain them throughout their retirement. However, as retirement age approaches, some come to realize that they must invest even more to be able to maintain or experience the retirement lifestyle they desire.

Creating a successful, sufficient, and sustainable retirement income plan can be accomplished by following these several steps:

  • Identify your goals for retirement.
  • Plan or map out your retirement expenses.
  • Speak with your financial advisor or professional who can help create and implement an achievable plan.
  • Take responsibility and make necessary adjustments along the way.
  • Stay committed to what it takes to achieve your plan.

Learn more about how you can prepare for your retirement

Minimize Taxes

An investor might consider adopting a strategy that incorporates tax-exempt income in their after-tax accounts or maximizing their tax-deferred investments. One way to achieve is by managing taxable distributions as part of his or her individual portfolio distribution strategy. A high income earner who is in a higher income tax bracket may seek investments that conscientiously shield and minimize his or her federal and state income tax burden. Those in the prime of their earning years may want to make regular contributions to a tax-deferred/tax-sheltered retirement plan to help with effective tax planning.