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CDs & Laddering Strategies

  • We analyze bank CD rates across durations and institutions to maximize yield.

  • Strategies include 1-2-3 and 2-3-5 year ladders to balance liquidity and return.

  • Scenario planning: Inverted vs. steep yield curves and Fed policy guidance.

Certificates of Deposit (CDs) are one of the simplest ways to preserve capital while earning interest. A laddering strategy spreads maturities across different time frames, which provides steady reinvestment opportunities and lowers the risk of being locked into a single rate environment.

This gives investors both predictable cash flow and flexibility to adjust as conditions change. In retirement planning, CDs serve a defensive role by offering insured, low-risk returns while working alongside Treasuries, money market funds, and other fixed-income options.

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Our Insights

Retirement

We help clients develop sustainable, income-focused retirement strategies with minimal risk and strong capital preservation.

Treasuries

  • Duration targeting based on macro conditions (short-term in rising rates; long-term in cuts).

  • Use of TIPS in inflationary environments.

  • Tax advantage strategies for retirees in high-income brackets.

U.S. Treasuries remain the anchor for stability in retirement portfolios. Short-term bills offer attractive yields with very low volatility, while longer-dated notes and bonds provide protection if interest rates fall.


By mixing maturities, investors can earn competitive income today while keeping flexibility for future rate shifts. Treasury Inflation-Protected Securities (TIPS) add an extra layer of security by adjusting with inflation, helping to preserve purchasing power over time.

Money Market Funds

  • Compare institutional MMFs, with emphasis on liquidity, risk buffer, and net yields.

  • Tactical allocation recommendations during periods of volatility.

Money market funds give retirees a safe place to park cash while still earning meaningful returns. They invest in short-term, high-quality securities and are designed to maintain stability.

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With current yields near historic highs, they offer a balance of liquidity and income that bank accounts often can't match.

This makes them an effective tool for managing emergency reserves or cash earmarked for near-term expenses.

REITS for Income

  • Focus on REITs with sustainable FFO payout ratios and high occupancy rates.

  • Residential, healthcare, and industrial REITs favored for stable cash flow.

Real Estate Investment Trusts (REITs) combine the steady income of rent payments with the potential for long-term growth. Many REITs pay competitive dividends that can supplement traditional bond income.

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By focusing on sectors with strong fundamentals, such as residential, healthcare, or logistics, retirees can benefit from reliable cash flow while also participating in the appreciation of high-quality properties.

Retirement Mutual Funds & ETFs

  • Selection of low-cost, dividend-paying equity and bond funds.

  • Target-date fund evaluations and portfolio glide path modeling. 

Packaged funds simplify retirement investing by offering built-in diversification and professional management. Target-date funds gradually shift toward safer assets as retirement approaches, while dividend-focused equity funds aim to provide rising income over time.

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Low-cost bond and balanced funds supply predictable returns with reduced risk. Together, these vehicles provide retirees with an efficient way to manage portfolios without needing to oversee every individual holding.

Our Approach

Every insight and strategy connects to one goal: helping clients preserve capital, capture opportunity, and plan with confidence. We balance risk and reward with a disciplined framework so that retirement, investing, and wealth-building decisions all work together as part of one clear plan.

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