Our services

THREE STREAMS BBH ALLOCATION

Here’s What We’re Going To Do

You need a clearly defined, transparent, and easy-to-follow plan. Three Streams Financial will help you build portfolios focusing on diversification, simplicity, and tax efficiency. You can manage the plan yourself or have us manage it for you. 

  • Consolidate all of your accounts under one umbrella to track results in real-time easily.
  • Develop a clear, transparent, and easy-to-follow plan that is also easy to implement.
  • Design a safe withdrawal strategy - a multiphase withdrawal plan to lower the marginal tax rates during retirement.
  • Secure your retirement by prioritizing cash-flow to outpace inflation, property taxes, and healthcare costs - Never run out of money!

Our Investing Strategy

Compound Returns Matter Most!

If you lose 10%, you will need an 11% return to break even. Similarly, if you lose 25%, you will need a 33% return to get back to where you started. This forces most people to take on more risk to recover their losses. However, a less volatile investment strategy, even with a lower average return, can lead to higher compound returns over time.

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Direct Indexing With Dividend Growth Stocks

  • Choose A Portfolio of Blue-Chip Stocks that Increase Dividend Payouts
  • Why? Protect Against Inflation & Never Run Out of Money
  • “Married Couples pay $0 taxes on qualified dividend income up to $123,250”
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Buffer Funds to Control Downside Risk

  • Define your risk and protect against unexpected events.
  • Why? Reduce Drawdowns & Increase Peace of Mind
  • “The protection of an annuity without the complexity or fees”
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Multiple Strategies to Enhance Diversification

  • Incorporate both Passive & Tactical Strategies
  • Why? Lower correlation to the Stock Market and Withstand drawdowns.
  • “Achieve Better Risk-Adjusted Returns”

Our Services

Our investment services are designed to help you create a diversified and tax-efficient portfolio that generates income for life. Choose Your Level of Service.

Sometimes, it's helpful to have someone review your current plan, offer advice, and ensure you're on track to meet your retirement goals.

 

  1. Analysis of your current portfolio - How much risk are you taking?
  2. Project your retirement withdrawal plan - Will you run out of money?
  3. Identify solutions you can take immediately to enhance your portfolio.

 

You want a comprehensive overview of your financial goals and a written investment plan to help you achieve them.

Three Streams Financial

  1. A Comprehensive analysis of your current financial picture - are you on the right track?
  2. Combine an optimal Social Security claiming strategy with a multiphase withdrawal plan that reduces marginal tax rates in retirement.
  3. Create a personalized Investment Policy Statement (IPS)—a written guide to implementing your investment strategy.

We’ll design an investment plan together, and then I’ll execute the trades and manage your portfolio for you.

Three Streams Financial

 

  1. Full-service Asset Management - Portfolio management in accordance with your Investment Policy Statement.
  2. Ongoing Cash-Flow Management - Maximize after-tax distributions in retirement.
  3. Comprehensive Financial & Tax Planning - Ensure you never outlive your savings!

Help Ensure Your Child or Grandchild's Financial Future

Three Streams Financial

  1. Create an investment strategy that compounds over time.
  2. Identify the best investment vehicles for managing children's assets.
  3. How to maximize 529 contributions moving forward.
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ADDITIONAL SERVICES

  • Medicare Health Plan Strategy
  • Long-Term Care Planning
  • Qualified Longevity Annuities (QLAC)
  • Health Savings Account (HSA) Planning
  • Portfolio Optimization
  • Inheritance Management
  • Tactical Trading Strategy

LET'S CONNECT

If you have any questions or concerns, or if you would like to work with me, email me directly at: [email protected]

Three Streams Financial