ADVANCED TIME SEGMENTATION®
Taking on The Retirement INCOME CHALLENGE
About Advanced Time Segmentation
Advanced Time Segmentation takes investment principles that were once exclusive to the ultra-wealthy and makes them accessible to everyone.
At its core, we match our client's assets to their income liabilities. Meaning we lay out a strategy that creates inflation-adjusted income and addresses risk by giving equities time to potentially grow untouched. This approach allocates assets into different time segments based on the period of time those assets are expected to generate income.
A Strategy-Driven Approach
Most retirees or soon to be retirees with accumulated assets are looking
for stable income and a way to minimize their investment risks. They strive
to build a portfolio of investments that can safely generate income for them
for the rest of their lives.
By using a strategy-driven approach that utilizes time to mitigate risk,
retirees can feel comfortable knowing their income is mapped out for a
minimum of 15 years.
How ATS works
Click each segmented category below to read a brief description of that segment's purpose.
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Lifetime income
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Segment 1
Fixed income
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Segment 2
Balanced
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Segment 3
Long-term growth
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Income & Growth
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Lifetime income
This Segment potentially provides investors with guaranteed* income for life and is suitable for conservative investors who believe they have a long life expectancy.
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Fixed income
This Segment is designed to be spent down over 5 to 7 years thus "buying time" for the Balanced Segment to potentially grow. This category is usually invested in safe, sometimes guaranteed*, investments.
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Balanced
This Segment is a bridge between the Income Segment and Growth Segment. This Segment is designed to replenish the Fixed Income Segment resulting in additional time for your long-term investments to potentially grow.
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Long-term growth
This Segment is designed for 15-25 years of growth. Since the other Segments have provided time, this Segment is designed to grow untouched for many years.
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Income & Growth
This Segment is designed to provide both income and growth for the portfolio over the long-term. This category can include alternative investments. Income generated from this category may be used to supplement income required from the Lifetime Income and Fixed income Categories.
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Lifetime income
-
Fixed income
-
Balanced
-
Long-term growth
-
Income & Growth
-
Lifetime income
This Segment potentially provides investors with guaranteed* income for life and is suitable for conservative investors who believe they have a long life expectancy.
-
Fixed income
This Segment is designed to be spent down over 5 to 7 years thus "buying time" for the Balanced Segment to potentially grow. This category is usually invested in safe, sometimes guaranteed*, investments.
-
Balanced
This Segment is a bridge between the Income Segment and Growth Segment. This Segment is designed to replenish the Fixed Income Segment resulting in additional time for your long-term investments to potentially grow.
-
Long-term growth
This Segment is designed for 15-25 years of growth. Since the other Segments have provided time, this Segment is designed to grow untouched for many years.
-
Income & Growth
This Segment is designed to provide both income and growth for the portfolio over the long-term. This category can include alternative investments. Income generated from this category may be used to supplement income required from the Lifetime Income and Fixed income Categories.
Fill out the form below to find an ATS advisor
We encourage you to fill out the form below to find a financial advisor trained in the use of Advanced Time Segmentation® to discuss your specific needs and questions. We look forward to helping you attain your dreams and financial goals.
Registered representatives in the ATS program offer securities through a Cetera Financial Group broker/dealer. Advisory services may be offered through a Cetera registered investment adviser or through the advisor's ORIA. "Cetera Financial Group" refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC (also doing business as First Allied Securities), Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), Cetera Financial Specialists LLC. All firms are members FINRA/SIPC. Located at 655 W. Broadway, 11th Floor, San Diego, CA 92101.