What happens to my income if the market drops the year I retire?

That is the scenario the Perennial Income Model™ is designed around. The money funding your next five years is not invested in the market in a way that requires it to recover first, so a downturn early in retirement does not force you to sell growth investments at a loss to pay your bills.

Do you sell annuities?

No. We are fee-only and receive no commissions, so there is no product we get paid to place. If an insurance product is genuinely the right answer for something, we will tell you and point you to someone who sells it.

Can I see how my accounts are doing?

Yes. You have access to your plan’s performance 24/7, and we review it with you rather than leaving you to interpret it alone.

How much do I need for this to make sense?

We work with retirees and near-retirees who have $1 million or more in retirement savings. Below that, the coordination we do across income, tax, and healthcare decisions usually isn’t worth what it costs.

A retired couple reviewing their investment statements together at home

Investment Management for Retirees

Retirement changes what your portfolio is for

For decades your savings had one job: grow. The day you retire it takes on a second one, paying you every month for the rest of your life. Those two jobs call for different investments, and reconciling them is what the Perennial Income Model™ was built to do.

We don’t guess, and we don’t time the market

Compound interest is a powerful tool. But is your portfolio set to realize its full potential? At Peterson Wealth Advisors, we see to it that it does. With the Perennial Income Model™, we don’t need to try to “guess” or “time” the market. That’s a losing strategy and prevents retirees from having peace of mind. Instead, our investment strategy matches your current investments with your future income needs.

That rules out a few things other firms will offer you:

What other firms may offer

Chase last year’s winners
Try to time the market
Sell annuities
Receive commissions

How we invest

Match each investment to the years it will fund
Move gains to safer ground as each segment hits its goal
Fee-only, held to a fiduciary standard
Plan performance you can see 24/7

How the Perennial Income Model™ shapes your portfolio

Your savings are divided into six portfolios
Each one is responsible for funding a five-year stretch of your retirement.
Each portfolio is invested for its own horizon
The money you plan to spend in the next five years is invested for stability, because it has no time to recover from a downturn. The money you won’t touch for twenty years is invested for growth, because its job is to outpace inflation.
Gains are harvested as each segment reaches its goal
The gain is moved into something more conservative and set aside for the years it was meant to cover.

What’s included

Investment management, as part of your plan

Grow and protect your savings
Proper asset allocation
Held to a fiduciary standard
Access plan performance 24/7

These pieces are not sold separately. They come together as one plan, for one transparent quarterly fee.

What “fiduciary” means when it’s your money

We are a fee-only firm, which means we are paid by you and not by anyone whose product we might recommend. As fiduciaries we are legally and ethically bound to act in your best interest, not merely to suggest something suitable.

Assets under management: $829.7M
Client accounts: 1,988
People on the team: 23
CFP® professionals: 9

As reported in Peterson Wealth Advisors’ most recent Form ADV.

Questions retirees ask us about their portfolios

No. Our job is to make sure the income you need arrives on schedule for the rest of your life, which is a different problem from outperforming an index. We don’t guess or time the market, and we don’t chase last year’s winners.

Related webinars

Explore these sessions for deeper guidance on coordinating your retirement income plan.

The rest of your plan

No decision in retirement stands on its own. Here is how the other pieces fit together.

Let’s look at how your portfolio is actually invested

In a 15-minute call we can talk through what you own, what it needs to pay you, and whether those two things line up.

Schedule a Call