Distribution Strategies is a three-tier investment solution designed to meet the needs of investors as they shift their focus from asset accumulation to distribution. This strategy provides immediate cash flow to meet spending needs, reduces overall market volatility through broad asset class diversification, and ensures long-term growth to decrease the likelihood of outliving one's assets.

Each tier is designed to address a specific investment objective:

Tier I - Short-Term Target Distribution:

Designed to provide two years of current cash flow by investing in short-term bonds and cash instruments.

Tier II - Mid-Term Balanced:

Designed to provide moderate growth over a two to ten year period by investing in a balanced mix of stocks and bonds.

Tier III - Long-Term Growth:

Designed to provide long-term growth and inflation protection from year ten to life expectancy by investing in a diversified portfolio of stocks.