Accumulation & Distribution Planning

Accumulation & Distribution Planning is a long way of saying “financial planning.” So why do we use the phrase? Well, because it so aptly describes the two most significant phases of our investing lives.

In the first phase, we diligently save and invest our resources into education, real estate, stocks and bonds. Of course, we do not save for savings sake; at some point we hope to have accumulated enough wealth to carry us through retirement, whereafter we spend those assets down to a level we hope to leave our heirs.

Even during this later “distribution” phase when we are no longer working, if all goes well, it is possible our investments may continue to work for us throughout our lives. Among CA360’s many services listed herein, many refer to specific goals and objectives from home and college savings to retirement planning. This more comprehensive type of planning is really all encompassing — think of it as your “financial life plan.”

Here, we gather and project forward all aspects of your financial life, considering all sources and uses of income and investments. Of course, life can and usually does take its random paths, making these rough estimates at best. However, you’ve no doubt heard the phrase “a failure to plan is a plan to fail.” By going through this exercise and revisiting our assumptions periodically, we can best match proper investments to your personal risk tolerance, goals and objectives. Along the way we also hope to develop a realistic view of any challenges you may face ahead, and the legacy you may leave behind.

Naturally, there are many levers available to rise to the challenge of providing for your future needs and goals. In addition to realistically understanding the ramifications of your assigned investment approach in terms of potential returns and risks, you may consider how long you work, how much you spend, and whether it is worth reaching a little further along the risk-reward spectrum to get you and your family where you need to be.

Why not allow us to help you organize your financial life and answer all these critical questions with a full three hundred sixty degree Accumulation & Distribution Plan today?