We believe there are distinct phases of retirement that call for specific financial requirements. A successful income plan incorporates these general stages and applies tactical steps for facilitating a systematic distribution of one’s nest egg.
When customizing your plan we apply lifestyle factors such as higher spending for leisure activities earlier in retirement and higher potential health care expenses later, to more accurately reflect evolving income needs.
Healthcare and leisure related costs have increased at rates which have greatly outpaced general inflation over the last 20 years. Therefore, we take the extra step of assigning distinct inflation rates to specific categories of expenditures (taxes, basic living, healthcare and leisure) to arrive at a more accurate long-term forecast.
Our plans are flexible to meet cash flow needs accordingly,
based on tax sensitivity, risk tolerance and desired time frame.
Income Distribution Methods
Income distribution is an entirely different proposition than accumulating your nest egg. When the time comes for individuals to build an income plan, they are often faced with making snap decisions about asset allocation, asset distribution and how to utilize an overwhelming range of investment tools and resources. The Hatch PlanSM streamlines this process and crafts a customized distribution focused strategy with a goal of providing income for life.
The Time-Segmented Allocation method earmarks assets into three distinct portfolio pieces, or “nest eggs”. Appropriate investment strategies are implemented to meet income requirements for specific time-frames throughout your retirement. The Systematic Withdrawal method utilizes a total return approach with a distribution rate that can range from 3% to 8%, depending on specific time horizon and needs. The Monthly Paycheck (or personal pension) approach would be favored by an individual who wants complete reliability of income, or at a minimum, an income floor to support basic living needs that will last a lifetime.
We are guided by your responses to develop a plan which could include a combination of these three 
approaches. Our objective is to help manage your wealth in a manner consistent with achieving your life goals.
Contact Us:
1650 Borel Place, Suite 227
San Mateo, CA 94402
T-650.573.9960
F-650.573.9930
info@hatchplan.com
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