So Many Questions for Retirement
We Help You Answer The Really Big Ones
There is no shortage of questions about retirement. Some matter more than others. Frontier is here to help you answer the big ones. For example, “How much money can I spend in retirement?” and “How much should I save?” Getting good answers to important questions like these is critical.Calculate key answers here…
How Do We
Frontier has invested years of time and resources to be able to help our advisors look their clients in the eye and assist them in finding answers to critical retirement questions. How do we do it? Here are three ways:
- Risk Management We manage retirement strategies with a downside risk-first focus
- Process We use the expected returns for our strategies to provide guidance to clients
- Confidence We lean into our more than 20-year, industry-acknowledged performance track record
What is More Important, You Ask
Today or Tomorrow?
Working with their advisors, investors balance their needs for money to spend now and money to save for later into two buckets – the Today Bucket and the Tomorrow Bucket.
The Today Bucket
holds investments at minimal risk to meet lifestyle expenses for next 3 to 8 years.
The Tomorrow Bucket
holds savings that are invested to meet needs for future retirement years.
These two interrelated buckets have separate investment strategies designed to complement each other. Frontier’s watchful analysts evaluate and adjust our strategies according to market changes, allowing advisors to adjust the mix of investments in each bucket accordingly.
Want a Deeper Dive?
Robert E. Miller, CFA, Frontier’s Chief Executive Officer, explains the firm’s philosophy behind the Today
and Tomorrow Buckets.
All Retirement Strategies Aren’t Equal
The Difference Is In
You may think the Frontier plan looks like all the others.
But look closer.
- First, we employ our growth strategies for asset accumulation and our income strategies for cash needs. Our advanced math tells us how to optimize the strategies.
- Second, every month we rerun the math, and we adjust our strategies. Other industry retirement firms let their strategies remain static. We reassess risk and return and make adjustments.
- Third, advisors and clients regularly evaluate the asset mix in their Today Bucket and the Tomorrow Bucket to ensure a proper split and the continued progress toward meeting their investment goals.
It’s the rebalancing act every person faces: do I live for today or do I save for the future? The funny thing about money is you always feel like you need more. Even when you have enough, do you ever really feel it’s enough? Try out our retirement calculator for more information to face these questions.Check out our retirement calculator
The Best ideas Are
Easy To Explain
Our retirement strategies are different. While incredibly complex on the back end, they are simple to understand and explain to clients. We deal with the complexity so that you can put your clients into a retirement plan that settles their fears and lets them live retirement with peace and confidence.Download our investor talk sheet
When You’re Retired
The Guessing Game is Over
When your client is retired, they can’t afford to risk their nest egg. That’s why they look to their advisors to help them find carefully structured retirement-spending strategies. Frontier’s innovative and dynamic approach to retirement savings uses forward-looking strategies that Frontier is known for and combines them in a unique way to build investors’ confidence that they will achieve their goals.Retirement strategies that perform
In the last four years, Frontier Asset Management has received industry awards and acknowledgments for our strategy performance. The same philosophies and methodologies behind our investment strategies are applied to our retirement strategies. Offer your client a retirement plan that you know is going to perform when performance matters most. Contact us today to get started.
The content on this website is being provided for informational purposes only and is not intended to be investment, tax or legal advice by Frontier Asset Management or their investment professionals. Please consult with your advisors regarding your personal circumstances. In providing this information, neither Frontier Asset Management nor their investment professionals are acting as an ERISA fiduciary.
Nothing presented herein is or is intended to constitute investment advice or recommendations to buy or sell any types of securities and no investment decision should be made based solely on information provided herein. There is a risk of loss from an investment in securities, including the risk of loss of principal. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will be profitable or suitable for an investor’s financial situation or risk tolerance. Diversification and asset allocation do not ensure a profit or protect against a loss. All performance results should be considered in light of the market and economic conditions that prevailed at the time those results were generated. Exclusive reliance on the information herein is not advised. Asset allocation, diversification and rebalancing do not ensure a profit or guarantee against loss. You should consider investment objectives, policies, management, risks, charges and expenses carefully before investing.
The projections generated by Frontier regarding likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. Results derived from various “what if” scenarios for your financial life may not reflect the actual costs or amounts ultimately needed to fund specific life events. Frontier and its affiliates are not liable for use of the Retirement Bucket Calculator. Learn more about our Methodology.
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