World 03 · Grow
Grow what the plan needs.
Your money may need to last 30 years or more, so growth still matters. The goal is to get the growth your plan needs without risking what you have for returns you don't.
What it covers
How Grow is built.
Time
Give growth time to work
Compounding works best when it isn't interrupted. Money you won't need for years can stay invested through the markets that would otherwise force you to sell.
Purpose
Know how much growth you need
The goal isn't the highest return. It's enough growth to support the plan without risking what you have for returns you don't need.
Discipline
Stay on course
Over time, markets move and your investments drift away from where you started. We catch that drift and bring the portfolio back to what the plan actually calls for.
Inside this World
The planning that lives in Grow.
Once we know what your life needs from the portfolio, we can decide how much should be invested for growth, how much risk that requires, and how to keep it working over time.
Your investment plan
What you own should have a reason. We decide how the portfolio should be invested, how much risk makes sense, and what would actually cause us to change course before the market gives us a reason to second-guess it.
Give long-term money time
Money you'll need soon shouldn't be invested like money you may not touch for 10 or 15 years. Separating the two gives your long-term investments more time to compound without being interrupted.
Concentrated stock
Sometimes the investment that created your wealth becomes one of the biggest risks to it. We work through how much you want to keep, how much makes sense to sell, and the tax consequences of doing it.
Where investments are held
An IRA, Roth IRA, and brokerage account are taxed differently. What you own in each can affect how much you ultimately keep, even if the overall investment mix stays the same.
Staying on course
Markets move and portfolios drift. We regularly bring the investments back in line with what the plan calls for, rather than changing course based on what the market happens to be doing.
Investment costs
Every dollar you pay in fees is a dollar that doesn't stay invested and compound. We look at what you're paying, what you're getting for it, and whether the cost is earning its place in the plan.
The thinking
How we think about it.
More isn't always better
You need growth in retirement. But once we know how much growth the plan actually needs, there's no reason to risk what you have chasing returns you don't.
What strong looks like
Your money has enough time to compound, you're taking risk for a reason, and you're not paying for things that aren't adding value.
Try it on your numbers
The tools for this World.
Roth Window Illustrator
How much room is left in your tax bracket? Your bracket is a floor on a ladder. Your income fills it. The room is what is left before the next floor.
Open the tool →Tax-Bracket Mapper
How much federal tax, and what does your next dollar pay? Each step your income fills pays its own rate. The steps add up to your tax.
Open the tool →Sequence Explorer
If the bad years come first, how long does your money last? Twenty years of returns, the same ones twice. Slide what you take out and watch.
Open the tool →Find out what your money actually needs to do.
Give us an hour. We'll talk through how you're invested, the growth your plan needs, and whether you're taking more risk than you need to get there.
For those within five years of retirement or already there, with $1 million or more set aside. No cost. No obligation.