General Info

We think of our financial lives as climbing a mountain. The ascent up the mountain can be compared to the accumulation phase of our investable assets and reaching the summit can be compared to finally retiring! At that point we must begin to use our savings to sustain us for the remainder of our journey. We call this descent down the mountain the distribution phase. This part of the journey introduces a whole new set of risks and challenges. In fact, by some estimates 80% of all mountain climbing deaths occur on the way down! Why? Because the risks are far different, and many climbers have not planned for the way down.