RETIRE WITH CONFIDENCE
Purpose-Driven
Financial Alignment
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ABOUT Retirement by Design
EVERYONE DESERVES
A MORE SECURE
RETIREMENT
Preparing for the time when you’re no longer receiving a paycheck can be confusing and disheartening. At Retirement by Design we encourage our clients to help prepare for retirement with confidence and purpose through a process we call “Purpose-Driven Financial Alignment.”
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We are backed by the strength of a national network,
Retirement Income Source
WHAT CAN WE DO
FOR YOU?
WE PRACTICE ACTIVE MANAGEMENT
Our active management of individual fixed income securities allows our portfolio managers to continually identify and act upon opportunities to help maximize returns for our clients. Our active management approach seeks to maximize income first and provide opportunities for growth second.
WE LOOK BEYOND RATINGS
We learned during the Financial Crisis of 2007-2009, that all those AAA-rated Mortgage bonds that were about to default had ratings attached to them from the ratings agencies that were far too generous. We know we need to look beyond those ratings and research the actual financials and management of the issuers themselves.
WE USE LIMIT ORDERS
Most advisors will purchase fixed income securities using market orders. In other words, they’ll simply buy the securities at prevailing market prices for that day. Income Specialists use limit orders when buying fixed-income securities on their clients’ behalf. That way, if the prices of those securities happen to be up on that day, we can help ensure you don’t end up overpaying.
WE GO DIRECT
Most advisors will simply buy fixed income securities through their clearing houses with minimal awareness of whether they’re getting a good price for their clients. We’re committed to conducting the research required to find out who is buying and selling various fixed income securities at any given time. This knowledge gives our traders the ability to go directly to the buyers or sellers, and negotiate better prices, almost on a wholesale basis, for our clients.
WE BUY BONDS & BOND-LIKE INSTRUMENTS
When you buy an individual bond, you have a contract with a borrower. Naturally, that contract is only as good as the creditworthiness of the borrower. It states you’ll get a fixed rate of interest for the life of the bond, and when the bond matures, you have a guarantee from the borrower to repay your principal at maturity assuming there have been no defaults. But when you buy a bond mutual fund, neither such guarantee exists. That’s why Income Specialists will avoid bond mutual funds.