In due time your portfolio will enter a distribution phase. How much income can the portfolio safely generate? To what extent should income demands influence portfolio design? How will the spending policy work under adverse economic and market conditions? Your goals may also include leaving a legacy to your heirs or a charitable institution. How should you balance your income requirements with wealth transfer objectives?

Our powerful analytical tool, WealthCaster®, models portfolio spending and wealth transfer strategies under thousands of economic scenarios. WealthCaster® manages two types of risk:

• Shortfall Risk: the possibility that you will outlive your assets.
• Opportunity Risk: the chance that spending will reduce both wealth and distributions below attainable levels.

Our analysis will help you determine the maximum distribution your assets will support, while maintaining portfolio integrity. We will:

• Compare the effectiveness of alternate portfolio designs and spending policies.
• Calculate the probability that you will achieve specific wealth goals.
• Illustrate the impact of applicable tax regimens, expenses and fee schedules.

WealthCaster® shows how spending decisions affect the eventual value of your portfolio. With WealthCaster®, you can be confident that you have appropriately balanced income objectives with your accumulation goals.