About Rainbow Retirement Planning
The "Short" Story"
Rainbow Retirement Planning, in the Western Great Lakes, works with clients nationwide to provide retirement planning and financial services to conservative investors. We specialize in providing planning and guidance for retirees and those nearing retirement who want to protect, grow and enjoy their life savings – and take steps to help ensure that their money lasts.
We focus on helping you protect your retirement nest eggs from risk and volatility. As your financial advocate, advisor and coach, we can help you create the retirement lifestyle you dream of and safeguard your retirement.
Your retirement could last as long as 30 years – or more - and you simply cannot afford to make mistakes with your nest egg. We help individuals and couples, people just like you, at all economic levels, plan for a worry free retirement. Wouldn't it be nice to know that your money will be ready for you when you need it most?
Helping You Achieve Your Goals
Money can be an emotional subject and some people can find financial planning can be stressful, especially when looking ahead to retirement. Fears, uncertainties and doubts abound: "Will I have enough money when I need it? How will rising health care costs and inflation affect me? Market downturns? Am I at risk of outliving my funds and if so - then what?"
Don't worry - be happy. Because if your goals are to build a family legacy, reduce your income tax liabilities and create a retirement plan that can ensure a fulfilling and worry-free retirement, we have the knowledge and tactical investment strategies that can help you with those goals. Our investment philosophy focuses on the preservation of wealth during both the accumulation and distribution stages of retirement, using a system that is designed to be low risk and low volatility. Our goal is to provide you with a clear road map and plan as to how to achieve your individual financial goals.
The "Full" Story
We look after you by giving you a means to help protect what you’ve worked so hard to build. We believe that we can help you secure a better retirement by always ensuring that you individual goals remain our top concern.
What’s “best” for you? There is no one “best place” to put your retirement money because everyone – couples and singles alike - has unique needs and goals, different risk tolerance levels and different timelines as to when they’ll need their money. There is no product or strategy that will fit everyone.
However, we have found one strategy far too common: too many people have most or all of their retirement money in the “market” and don’t understand what percentage of their assets are at risk of being lost. And, worse yet, they don’t have an exit strategy for when the market declines. In order to make sure your money is in the “best place for you”, your unique circumstances and objectives must be taken in to consideration.
We can help you strike a balance between your short-term needs and your longer-term goals. We can help you take steps to safeguard your retirement money – first, by making sure that the risk within your portfolio risk aligns with your personal risk tolerance. Second, we’ll focus on taking steps to help ensure that your portfolio will be able to meet your future income needs. We can help you coordinate the income from your retirement money, pension (if you have one) and your Social Security to plan for a worry free retirement – a retirement where you can enjoy the fruits of your labor without fearing that you’ll running out of money in your lifetime.
Low Risk, Low Volatility Risk Portfolios
Rainbow Retirement planning works with Horter Investment Management LLC, who in 2015 was ranked in the top 10 in Financial Advisor Magazine's Registered Investment Advisor firms asset growth ranking in the $1 billion to $2 billion asset category.
We believe that the secret to our clients’ happy retirements lies in providing them with portfolio management that is designed to be low risk, low volatility. We have access to many private wealth managers that may not be available to other independent advisors and brokerage firms. And, as registered fiduciaries, we are legally bound to put our clients’ best interests first - always.
What's in a Strategy: Tactical Asset Management vs. Buy and Hold vs. Asset Allocation
Sadly, many people don’t realize that the brokerage houses’ and financial institutions’ methodologies can stand in the way of achieving goals for a majority of investors. Those organizations use “buy and hold” or “asset allocation” strategies which can lead to investors having no idea where their portfolio will be in 5, 10, 15, or even 20 years.
At Rainbow Retirement Planning, we provide alternatives to the traditional buy and hold or asset allocation strategies - strategies that left many investors at a deficit over the last decades. We give our clients access to private money managers that are designed to be low risk. These managers deploy tactical strategies that are also designed to be defensive in bad times and opportunistic in good times.
We firmly believe that you cannot have peace of mind about the future without understanding and managing your risk and we are committed to providing you with low risk, low volatility investment solutions to give you peace of mind.
Please ask yourself what you and/or your current advisor have done to reposition your assets since the last Financial Crisis of 2007-2008*, so you don’t lose again. And ask yourself – how much time did you spend over the last 8 years simply rebuilding what was lost? Have you actually gained additional assets? You must also ask yourself, when the next financial crisis hits, which type of portfolio do you want to have? A low risk, low volatility portfolio that will give you peace of mind - or - a portfolio like most others had when they lost 40% or even 50%?
Should We Chat?
We appreciate the opportunity to sit down for a friendly conversation with you, so we can learn about your situation, goals and objectives. There is no cost or obligation for meeting with us to discuss your circumstances and your plans. Regardless as to if we can, or cannot be of service, you will at least have the comfort of knowing that you have consulted with a knowledgeable professional about some of the most important, and possibly even irrevocable financial decisions in your life.
You too could benefit from our focus on helping you protect, grow and enjoy your retirement.
Take action today to ensure your financial freedom tomorrow. At Rainbow Retirement Planning, we believe that there’s another solution - and we know you’d want to know about it!
Your investment advisor may recommend third-party money managers who utilize investment strategies designed to minimize portfolio volatility and reduce the risk of declines in account values. Like any other investment strategy, this approach entails risks, including the risk that client accounts can still lose value and the risk that a defensive position may, at any given point in time, prevent client accounts from appreciating in value.