Balance the flow of income clients need to sustain their lifestyles with the potential performance results necessary for sustaining their wealth through good times and bad.

With PlanHorizon's time-segmented distribution strategy, a client's retirement assets are divided into segments and "tagged" to provide income over specified time periods. This allows you the opportunity to potentially create a consistent income stream with the funds earmarked for near-term distribution invested for preservation. The remaining funds stay invested to reap potentially higher returns until they, in turn, are earmarked to fund income in a later period.

Seek consistent income throughout retirement by segmenting assets to provide income over specific periods of time using a time-segmented distribution (TSD) strategy.

As one segment reaches its target market value, the investment in that segment can be harvested to help ensure the future income level needed without continuing to expose it to market volatility. Though each segment in the retirement portfolio is managed individually, each segment is designed to work together in an effort to provide a consistent level of income throughout retirement.

Access a comprehensive set of tools for building, implementing and managing a time-segmented distribution strategy for retirement assets.

Among the capabilities of PlanHorizon is a tool allowing you to import off-platform investments. Using reasonable capital market assumptions, the platform will also help you readjust a TSD portfolio as needed, according to the changing needs of the investor. You also have access to a variety of goals-based reports for tracking the progress of retirement investments to ensure income generation remains on target.

Retain your flexibility to adjust asset allocations for market conditions and evolving goal/risk profiles.

Because each segment is constructed as an individual investment portfolio—with each portfolio having its own criteria for risk tolerance and investor objectives—you are able to fine-tune allocations for changes in a client’s circumstances or preferences, both by segment and across the entire retirement portfolio.