Retirement Plan Pilot

Retirement Plan Pilot is more than retirement plan instructions. We all have heard the phrase “Prevention is better than a cure” but can it be applied to your financial health? Doctors suggest 19 to 21-year-old get a physical once every 2-3 years and after 22 years of age get a physical once a year. Why don't we do the same for our financial health? We think you should you have financial advice on call.  We've designed Retirement Plan Pilot for those who want guidance instead of directions. For just $30 per month you get advice for Life Insurance, Tax Planning, Long-Term Care planning, Estate planning, and Retirement planning.

The Retirement Plan Pilot guidance for your retirement plan is an objective, rule-based trend following strategy that changes exposure based on 3 indicators.  Your allocation will be determined by our time frame and risk tolerance questionnaire.   Also included in the Retirement Plan Pilot is our alert system AssetLock® Personal.  The alert system will trigger and alert you and your advisor when new highs are achieved as well as when caution is indicated.  The guide will also direct you quarterly to the best equity positions to use in your portfolio.  Overweighting the equity position with the greatest potential for growth. 

Equity Indicator: 100% Benchmark Index 100% Equity Allocation for your portfolio

When the Benchmark Total Return index closes above its 200-day simple moving average (200d SMA) for five consecutive business days, the exposure of the Retirement Plan Pilot be 100% the benchmark index. From the equity position, the index will change to the 50/50 position or the safe value or Money market position depending on the 50/50 indicator and T-Bill indicator.

Price Signal – 50/50 Indicator: 50% Equity Fund/50% Safe value or Money market

When the benchmark total return index closes below its 200-day SMA for five consecutive business days, the exposure of the index will be 50% to the benchmark index and 50% to Safe value or Money market. From the 50/50 position, the Retirement Plan Pilot will return to the equity position or change to the Safe value or Money market depending on the equity indicator or T-Bill indicator.

Trend Signal – T Bill Indicator: 100% Safe value or Money market

When the benchmark total return index's 200-day SMA closes lower than its value from five business days earlier, the exposure of the Retirement Plan Pilot will be 100% to Safe value or Money market. From the Safe value or Money market fund, the index will change to the equity position when the equity indicator is triggered.  The index will not return to the 50/50 position unless the equity indicator is first triggered.

Portfolios available are Conservative, Balanced, Moderate Growth, and Growth.

To find out your risk take this short questionnaire:   

 

 

To sign up for Retirement Plan Pilot use this link: