Individuals: Retirees


Retirees face many challenges that did not exist in past decades. These challenges include the slow but steady disappearance of traditional pension plans and their replacement with 401(k)s and IRAs. Additionally, the average retiree has a considerably longer expected life span than was the case 50 years ago. Finally, the current low interest rate environment produces much lower income on bonds and other fixed income instruments, which generally make up the core of a retiree’s portfolio.

Accordingly, we work closely with retirees to help structure portfolios which emphasize the capital preservation and growth which will see our clients through a 20 or 30 year time period while providing the necessary income from the portfolios to supplement social security and upon which they can live. Most clients also seek to leave a legacy to their children and grandchildren. This reinforces the importance for us to structure portfolios which combine capital preservation, low volatility, income and appreciation, which helps provide the means for keeping up with or outpacing inflation. At Bradley, Foster & Sargent, we work closely with retirees who trust us and will look to us, as they age, to act ethically and prudently in their best interest.

Transitioning to Retirement

Many of our clients are currently preparing for retirement in an uncertain world. They may have plans to retire in 5 or 10 years and wish to create an investment strategy which will balance their current lifestyle with the need to set aside funds for their retirement. At Bradley, Foster & Sargent, we help them establish a financial strategy which will set aside appropriate assets which will ultimately create adequate income, along with social security and other sources of income, for retirement. We then execute the investment management portion of the strategy. This involves continual monitoring of the plan as capital markets and circumstances change. With each individual or family approaching retirement and every retiree, we act as a partner whose advice can be trusted and who serves in an ethical and prudent manner.