Investors want confidence in retirement. A predictable retirement income can help them get it.
The Asset-Cycle Portfolio System® is a software tool and planning philosophy used by financial professionals that want to provide their clients with greater confidence, clarity, and control when planning for their retirement.
Investors often have one burning question on their minds: “Will I be okay?”
When it comes to retirement, they want to know that their hard-earned money will be there when they need it. That’s where our Asset-Cycle Portfolio System® comes into play. This innovative financial planning solution was created to provide investors with a greater understanding behind the purpose of their money, ultimately guiding them through retirement planning and addressing their concerns with clarity and confidence.
Asset Cycle Portfolio System® is your sidekick, helping your clients answer questions that often come with retirement planning:
- Will my income be guaranteed?
- Will it increase during my retirement?
- How can I keep up with inflation?
- What can I do to reduce my tax burden?
- When should I take Social Security? Is there a magic formula?
- Do I need long-term care or life insurance?
Numbers and data are just the supporting cast when putting together a retirement plan.
It’s the story you tell that takes center stage.
The Asset-Cycle Portfolio System is a retirement income planning approach that was later turned into a financial planning software. The philosophy is based on the premise that investors should know the answers to three basic questions about each one of their financial accounts:
- What do I own? (What am I invested in?)
- Why do I own it? (What is its purpose?)
- What will trigger a change? (When should I do something different?)
Together, the Asset-Cycle Portfolio System will helps answer these questions so your clients have a greater sense of clarity and direction for how their money will work for today and in the future.
Frequently Asked Questions
We created Asset-Cycle Portfolio System in the early 2000's. Back then it was developed as a conceptual portfolio management tool for financial advisors to utilize with their clients in or nearing retirement. As the products and investment strategies evolved, this one-page planning concept morphed into a comprehensive retirement income planning software.
The Social Security analysis aspect of the software was designed to give investors comparative insights into different benefit election options. It looks at a cumulative benefit amount based upon the data provided; however, the investor’s decision should not be based solely on which option provides the highest cumulative benefit. The decision should factor in the entire financial picture, including current assets and future income sources.
Nope! The Asset-Cycle Portfolio System has always been agnostic when it comes to products and investment strategies. As a comprehensive retirement income planning tool, it’s designed to give financial advisors like yourself the flexibility to construct a retirement plan that works best for the client or investor. It focuses on how you designate your assets, not telling you what to buy or sell.
Asset allocation is an approach to portfolio management whereby an investor diversifies their investments amongst difference asset classes.
Asset designation takes this concept one step further by specifying a purpose for each asset; this concept is particularly helpful when it comes to retirement income planning as it provides a job description for each account throughout an investor's retirement.
Our team here at USA Financial has access to it and work exclusively with independent financial professionals throughout the United States. Once they have completed training, affiliated financial professionals gain access to the software.
Financial advisors, like yourself, have control over the projected rates utilized in the software. Depending on a variety of factors, you can choose the growth rates that are projected based upon the type of account being illustrated.
The Asset-Cycle Portfolio System should not be construed as tax advice. The tax projections provided by the software are estimates only and rely upon data entered by the financial advisor. The system uses a net effective tax rate.
The Asset-Cycle Portfolio System was created to help you provide a retirement income plan for your clients. It can be used for any client of varying age and asset amounts, however, it’s especially helpful for those nearing or already in retirement. The most common client for this tool is someone who want a clear, easy-to-follow plan for taking income from their assets during their golden years of retirement.