Your CanoeA Planning Framework Built for Confident Retirement Decisions
- The Canoe & Current Retirement Framework™ helps clients balance two essential needs in retirement:
- Reliable guaranteed income designed to support essential expenses and financial security
Typical sources of Canoe income:
- Social Security
- Pensions
- Income Annuities or other guaranteed income contracts
- Interest from very conservative fixed-income instruments when appropriate
With the Canoe, we:
- Identify your essential monthly income needs (housing, food, utilities, insurance, basic lifestyle).
- Calculate how much of that is already covered (e.g., Social Security, pension).
- Design a strategy to fill any remaining gap with reliable, as-guaranteed-as-possible income tools.
When your Canoe is strong, you’re not waking up every day wondering:
- “Can I still pay my bills if the market drops 20%?”
- “Is this the month I need to sell something at a bad time?”
Your CurrentTime-segmented investment strategies designed to provide growth, flexibility, and legacy opportunities.
The Current represents your investments that are meant to grow over time – the part that can help you:
- Keep up with inflation
- Fund travel, family experiences, and fun
- Refill or “top off” your Canoe in later years
This is where we may use equities and other growth-oriented investments, but with guardrails. The goal isn’t to gamble; it’s to get market-like growth without letting volatility dictate your decisions.
With the Current, we:
- Segment money by time horizon (near-term, mid-term, long-term).
- Use strategies that can limit downside while still allowing meaningful upside participation.
- Periodically harvest gains:
- Some goes to today's "fun money" (travel, grandkids, experiences)
- Some can be used to replenish your Canoe so your guaranteed income can increase over time.