CREATE A MORE EFFECTIVE ROADMAP TO MEETING RETIREMENT INCOME NEEDS
With retirement on the horizon for approximately 80 million Baby Boomers, you’ll want to be ready to provide them with the level of income certainty they seek. Available through the Envestnet platform, PlanHorizon provides you with a fully integrated time-segmented distribution strategy for easing your retiring clients’ concerns that they might outlive their savings.
With this comprehensive set of tools, you will be able to:
- Plan your clients’ retirement investment strategies to achieve a better balance between current income needs and the potential performance results required to possibly sustain their wealth through volatile markets and inflationary periods.
- Implement your plans with investment recommendations and guidance along the way.
- Track the progress of your plan throughout retirement while making adjustments for changing circumstances with informative, goals-based reports.
How PlanHorizon works
PlanHorizon’s time-segmented distribution strategy divides a client’s retirement assets into segments to provide income over specified time periods. This helps you potentially create a consistent income stream since the funds earmarked for near-term distribution are invested for preservation and income certainty. The remaining funds stay invested to reap potentially higher returns until they, in turn, are earmarked to fund income in a later period.
As each segment reaches its target market value, the investment in that segment can be harvested. This helps protect it from future market volatility. And though each segment in the retirement portfolio is managed individually, the segments end up working together to provide a potentially consistent level of income throughout retirement.
Multi-Level Functionality
Among its capabilities, PlanHorizon enables you to import off-platform investments. Using reasonable capital market assumptions, the platform will help you readjust a time-segmented distribution portfolio according to the changing needs of the investor. You will also have access to a variety of goals-based reports for tracking the progress of the retirement investments to ensure income generation remains on target.
As a fully integrated feature of the Envestnet platform, PlanHorizon provides you with all of the tools you need to seek the highest probability of success in helping your retired clients to avoid realizing one of their greatest fears: outlasting their savings.
