When it comes to your retirement, here at OCTO Capital we understand that you should have income that lasts two lifetimes and keeps pace with the cost of living. We will work with you to create a portfolio with a higher Portfolio Efficiency Ratio to handle the distribution phase during retirement.
Our goal is to build portfolios with a focus on consistent returns based on the six facets of our investment strategy.
B = Below average expenses. We know that lower expenses have a direct correlation to better investment performance, as investment advisors we're always looking for managers who charge less. We also know that certain managers bring so much alpha (value) that we choose to pay a little more, but this is a conscious choice based on the manager's strategies, chosen asset class, and long-term record.
L = Long-term record. We want to hire managers with a strong and consistent long-term record. We will review closely the manager's performance in all types of markets, bear and bull, to determine the consistency of returns.
I = In-the-trenches management. We are attracted to managers who are experienced and who have seen a number of market cycles.
S = Strategy. We believe in modern portfolio theory with tactical enhancements for our clients. Thus, all investments must satisfy a certain chosen objectives.
S = Suitable to our client's goals. Just as a pilot runs through his checklist before every flight, we will make sure your portfolio is aligned with your objectives.
S = Stewards over their clients' assets. Over the years, we have found that the most shareholder-friendly companies have delivered returns and honest assessments of investment performance year in and year out. Just as our clients invest with our firm because they trust us, we feel a lot more comfortable with companies that we trust.
Our goal is to create a tax-efficient withdrawal strategy that may be able to extend the longevity of your portfolio by several years. One of the more common mistakes that people make is paying tax on income they earned but did not spend. Retirees often waste a significant amount every year to unnecessary taxation. We recognize that your retirement funds (IRAs, 401(k)s, 403(b)s, etc.) represent a significant tax challenge, and we strive to help you keep more of these dollars. We will look for opportunities to withdraw funds from tax-deferred accounts when they will be subject to a lower-than-usual tax rate. Properly planned sequence of withdrawals can add the number of years to the longevity and/or value of a retiree's portfolio.
Understanding how to protect your estate for your spouse and family when a disability or death occurs can be very helpful if discussed proactively. Also with government increasing regulations, not to mention overall taxes, many families are concerned how much will actually be left to a spouse or loved ones. We can provide an educated approach to guide you through the maze of keeping more of what you have and help maintain this plan throughout retirement.
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39533 Woodward Avenue Suite 305 Bloomfield Hills, MI 48304 Phone: 248-731-7729