Protection
Managed Income
Wealth Accumulation
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Pre-Retirement
The Pre-Retirement strategy is just that –
management of the portfolio’s transition from
working to retirement. Investors in this strategy need
to be within 10 years of retirement and need to know the
specific year they plan to retire.
CLS customizes its Pre-Retirement portfolio by creating
a glide path based on the investor’s current risk
tolerance in addition to his or her retirement year. As
retirement nears and the ability to recover from market
downturns lessens, CLS allocates a portion of the
portfolio into a Protection strategy. Each year, CLS
increases the portion of the portfolio
“protected” while lowering the risk budget.
The Protection strategy and the glide path are used to
supplement the risk budget and active management,
cornerstones of CLS’s investment methodology.
Pre-Retirement can be a tough transition financially and
psychologically. This strategy, specifically addressing
the pre-retirement needs of investors, was developed to
support financial advisors with clients in this phase of
life.
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