Retirement is both the largest future liability most people will have, and the one that differs the most from other investing goals.

Planning for retirement can span many years and occurs within two distinct phases: accumulation and reduction. Or in other words, earning and spending.  Your retirement savings may look like a bell curve—with a consistent growth in your active working years on the left side of the curve and then consistent reduction in your retirement years on the right side of the curve.
 

The parameters for your retirement should be written in your portfolio long before you have to make them, so that, rather than working with abstract market predictions, we help you balance your needs, wants and aspirations as circumstances shift and change.

Resources for Retirement