The Strategic Income Phase

Phase III

In the Strategic Income Phase, we help you convert your wealth into reliable income streams, supporting both your lifestyle and legacy. At Strategic Income Group, this phase reflects our mission to empower clients to live abundantly and create a lasting impact, all while adhering to our core values of servant leadership, disciplined planning, and purposeful living.

Phase III

As you enter Phase III, your financial strategy evolves to focus on both income management and continued growth. Our goal is to help you navigate this stage by balancing the need for steady income with ongoing opportunities for growth, ensuring your wealth continues to work for you. We’ll guide you through managing income streams, preserving assets, and maintaining flexibility, so you can enjoy your retirement while keeping your long-term goals and legacy in mind. Here’s how we support you

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1.

Define Income Needs and Goals

We begin by working with you to define your income needs—whether it’s for retirement, charitable giving, or legacy goals. Every dollar in your plan is given a purpose that aligns with your financial vision.

2.

Bucket Strategy for Structured Income

Our bucket strategy helps ensure a balanced approach to income management:

Reserve Bucket: Covers 12 months of living expenses.
Income Bucket: Provides cash flow for years 2-4.
Income+ Bucket: Covers years 4-7 with a mix of income and growth assets.
Long-Term Growth Bucket: Holds growth assets for years 7+, supporting future needs.

This strategy allows for flexibility while managing risks.

3.

Tax-Efficient Income Distribution

We optimize your income distributions through tax-efficient strategies, including Qualified Charitable Distributions (QCDs), when appropriate. By managing withdrawals from taxable and tax-advantaged accounts, we aim to reduce tax liabilities while supporting your income needs.

4.

Preserve Wealth and Manage Risk

We use risk management strategies such as diversification into private credit, private real estate and equity along with hedge strategies to help protect your wealth. While we cannot guarantee outcomes, our goal is to provide a structured approach that seeks to balance income generation with wealth preservation.

5.

Legacy and Impact Planning

We work with you to ensure that your wealth continues to support the people and causes that matter to you. Whether through estate planning, charitable giving, or creating a lasting family legacy, we guide you and your family in aligning your wealth with your long-term vision.

6.

Monitor and Adjust

We regularly review your financial plan, making necessary adjustments to reflect changing life circumstances, market conditions, or income needs. This ensures that your income strategy remains aligned with your overall financial goals.