Our Process
Retirement Income Planning Designed Around You
At FDF Wealth Strategies, we believe retirement planning should go beyond asset allocation and risk tolerance. We are part of an exclusive nationwide network that utilizes Advanced Time Segmentation® (ATS) to create your personalized retirement income strategy.
A Different Way to Look at Retirement
Under the Advanced Time Segmentation® (ATS) strategy, we distribute your assets into three “buckets”: Immediate Income, Future Income, and Long-Term Growth. Our five-step process ensures ATS is embedded at every stage:
- DISCOVERY & GOAL SETTING
Understand your retirement vision and business goals. - EXPENSE & INCOME ANALYSIS
Identify predictable income needs and available liquidity for short-term buckets. - SEGMENTATION & PLANNING
Design appropriate buckets (e.g., 0–5 years, 6–15 years, 16+ years) with tailored asset allocations and tax-efficient strategies. - IMPLEMENTATION
Deploy investments and structures that align with your income timeline, risk tolerance, and tax planning. - MONITORING & ONGOING ADJUSTMENTS
Regularly assess and adjust allocations so that each bucket remains on track amid economic changes.
*The guarantee of this income is backed by the claims paying ability of the issuing insurance company.
See Your Retirement In
A New Light
Our time-segmented approach can give you reliable income today and growth for tomorrow.
Let’s create a strategy built around your life and goals.
Frequently Asked Questions About ATS
Advanced Time Segmentation® organizes your retirement savings into “time segments” that match when you’ll need the money. Instead of treating all investments the same, ATS gives each portion of your portfolio a specific job — short-term income, mid-term replenishment, or long-term growth — so you can live confidently now without jeopardizing your future.
Lifetime Income is an optional layer that can provide guaranteed income for life, offering additional stability and confidence. Alternatives add flexibility and can be used for growth, income, or to adapt when life changes.
For busy small business owners, ATS provides clarity and confidence: your short-term income needs are secured, while your mid- and long-term assets remain positioned for growth and aligned with your business goals.
As entrepreneurs, your time and financial resources are stretched in many directions. ATS gives you and your family:
- Confidence—knowing short-term needs are protected, even during volatile markets.
- Strategic growth—your long-term assets benefit from market cycles and inflation protection.
- Flexibility—we rebalance and adapt your plan dynamically, so it evolves with your business and life changes.Our independent, collaborative process ensures every client benefits from a dedicated advisor who:
- Brings tax-smart recommendations (e.g., tax-efficient buckets, withdrawal sequencing)
- Understands small-business complexities (cash flow variability, employee considerations)
- Champions independence and tailors solutions that empower both your business and retirement aspirations.By funding the short-term bucket with safe, liquid assets, ATS buffers you against the need to withdraw from long-term holdings during downturns. This allows your long-term investments to recover and continue compounding—preserving the portfolio that supports your future and your family’s goals.
Absolutely! Our Monitoring & Ongoing Adjustments step means we revisit your plan annually—or as needs evolve—and recalibrate buckets, allocations, or withdrawal strategies to reflect your current reality.
About FDF Wealth
Learn how our values, approach, and independence shape everything we do.