Time Segmenting and Profit Harvesting: A Different Approach to Retirement Planning

How much can a risk questionnaire really tell you about a client’s risk tolerance?Brendan Ryan talks with Paul Binnion of VestGen Investment Management about time segmentation and profit harvesting—two concepts they use to help insulate retirement plans from market risk and clients from emotional decisions.They also discuss why retirement planning should account for when clients will need different portions of their wealth, not just how much risk they’re willing to take.This material is provided for informational purposes only and does not in any sense constitute a solicitation or offer for the purchase or sale of securities nor does it constitute investment advice for any person or a recommendation to take any action. Investment themes and individual securities mentioned may or may not be held in any or all client accounts. The material may contain forward or backward-looking statements regarding intent, beliefs regarding current or past expectations. The views expressed are subject to change based on market and other conditions. The information presented in this report is based on data obtained from third party sources. Although it is believed to be accurate, no representation or warranty is made as to its accuracy or completeness.The views and opinions expressed throughout this presentation are those of the presenter as of date the podcast is episode is published. The opinions or outlooks may change over time with changing market conditions or other relevant variables.Some of our podcast guests may be clients. There was no compensation exchanged for their participation.