Integrity Advisory Group

Our Services

Retirement Planning
All financial service professionals are not created equal. Often times “brokers”, who predominately work for the companies and products they represent, are mistaken as “financial advisors.” Advisors, by definition, work for their clients; they advise on financial strategies to help their clients reach specific goals, address all items to consider when making major life decisions, and strategize on how to effectively develop and implement long-term financial plans. In this day and age retirees need a competent advisor whose fiduciary responsibility is to the retiree, not the company they work for. In this day and age, individuals need a competent financial advisor who can integrate and coordinate their multi-dimensional financial needs.

Wealth Accumulation
For years people have been advised on how to accumulate their retirement nest egg. For those of you that are still building your nest egg it will be necessary to determine how much will be required to meet your needs. For those of you that have retired, knowing a safe withdrawal rate to sustain your present lifestyle is critical. Unfortunately, the impact of risk, particularly losses, is often underestimated by most retirees. The impact of losses has a dramatic disproportionate impact on compounded returns. And the impact grows as the magnitude of losses increases. Risk management can be more than simply an instrument to help provide a smoother ride for your retirement; it’s a way to help compound gains into cumulative returns. As downside risk is controlled it provides retirees with a reduced risk profile and a more comfortable ride requiring much less of the market’s upside to deliver the same level of return.

Asset Protection
In recent years we have seen that aggressive and conservative products, both domestic and global, can move in tandem with one another. In other words, we have experienced market scenarios in which there is very little safety anywhere and increased volatility everywhere, even for diversified portfolios. We diversify across all five asset classes using a variety of vehicles. We then diversify within each asset class. Finally, we diversify dynamically, depending on data obtained from an independent consulting firm and my own trading experience. Our goal is to take advantage of opportunities to profit from markets moving in two directions, up or down.

Twenty-first century asset protection calls for more than just strategic asset allocation. Product allocation, buying instruments that can protect your portfolio from negative returns early in retirement, is generally considered a more effective means of protecting assets.

Income Planning
Being accountable for all aspects of your retirement can be stressful. Of course everyone wants to make the right decisions but with so many decisions comes the fear of making a wrong decision. Fear can lead to procrastination and the reality of making no decision is better than a wrong decision. The greatest fear most retirees have is the fear of outliving their income.

We believe that your necessity income should maintain a comfortable but not elaborate lifestyle for the remainder of your life. We can help you design an income plan incorporating our product allocation philosophy to create opportunities for long-term growth while ensuring income throughout your retirement.

401(k) Rollovers and Retirement Account Distributions
“IRA exposure to taxation is unavoidable. It is when IRAs are exposed to taxes during a period of transition, such as inheritance, that they become vulnerable to the most complex tax rules known ( or unknown) to man. It is critical for IRA owners to plan for that eventuality.” Ed Slott

IRA accounts have become one of the largest types of assets inherited by beneficiaries. If you don’t anticipate needing your IRA money in retirement, you may wish to consider a legacy planning strategy to reduce taxes and increase the payout your beneficiaries will inherit upon your death. A properly structured IRA may provide your beneficiaries a regular stream of income while leaving the balance of the IRA invested for tax-deferred growth. The result mayyield substantially more money paid out over the course of your beneficiary’s lifetime. We can help you evaluate your situation and determine if legacy planning will help to establish a lasting inheritance for your heirs on a restricted basis.

Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and Carolina Retirement Resources are independent of each other.

Carolina Retirement Resources | 11330 Vanstory Drive, Suite 114B | Huntersville, NC 28078 | Phone: 704-897-2176