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.
Retirement Lifestyle ClarityThe Canoe & Current Retirement Compass™
The Canoe & Current Retirement Compass™ is an optional planning engagement designed to help clients define what retirement is meant to look like—before income and investment strategies are finalized.
The process focuses on lifestyle priorities, values, trade-offs, and non-negotiables. The outcome is a professionally prepared Retirement Vision Statement, delivered as a written booklet families can revisit as retirement evolves.
Investment: $1,500
Waived when we manage $1,000,000 or more in assets.
Get The Retirement Vision Questionnaire
Chart your course before navigating the current.
Clients who wish for us to complete the Retirement Compass™ process on their behalf may submit the completed questionnaire along with payment—unless we are (or will be) managing $1,000,000 or more in assets, in which case the planning fee is waived.
Family Values, Stewardship & LegacyThe Current Beyond Wealth Family Financial Philosophy™
This optional planning engagement focuses on defining how wealth is viewed, stewarded, and transferred across generations.
The process helps families articulate shared values, expectations, and intentions surrounding wealth beyond financial statements. The outcome is a written Family Financial Philosophy, designed to guide future decisions and family conversations.
Investment: $2,500
Waived when we manage $1,000,000 or more in assets.
Get The Current Beyond Wealth Questionnaire
Clients who wish for us to complete the Family Financial Philosophy™ process on their behalf may submit the completed questionnaire along with payment—unless we are managing $1,000,000 or more in assets, in which case the planning fee is waived.