Retirement Income Strategies and
Asset Utilization Plans
The BLB&B investment strategies were designed originally to help clients accumulate assets to meet various goals in the future. With the passage of time, clients now ask us to help them generate income for various purposes, such as annual payouts to cover college costs for children or grandchildren or, most often, quarterly retirement income.
As a first step in creating an income plan, we review a client’s total assets, seeking to determine which are most appropriate to employ for this purpose. We consider the tax ramifications of selling various assets, their relative potential to generate income or growth, and how keeping or disposing of specific assets might affect the client’s estate.
With this analysis in hand, we build a drawdown strategy that, in our opinion, will help to preserve the greatest amount of assets while providing the client income.