Phase Five:
TimeLining® in Action
Meet Robert & Susan. Robert & Susan are both retired and were concerned about outliving their money.


Life & Financial Situation

Early 70s, retired, living off their investments

Robert was a partner at an engineering firm and Susan was a nonprofit director. Their children are grown and have many children of their own. They are both in their early seventies and live a healthy lifestyle. Robert and Susan take a large sum out of their portfolio per year (not adjusted for a change in spending habits). This supplemented Social Security and a small pension income.

TimeLining® helped prepare them to stay level headed and on track with their investment objectives.

An Unexpected Decline

In the fall of 2008 during the financial crisis the stock markets were in decline which caused Robert to ask, “How much money do I have in my 0-7 year timelines?” He knew to ask this as that was the portion of the portfolio that would not have direct stock market exposure. Robert understood that he did not need to sell assets in the near term while the stock markets were down. This allowed the equity portion to remain invested during this market cycle and Robert and Susan were able to remain on track with their goals and objectives.

Unexpected Decline graph

Rebalancing for Life Needs

Fast forward to a period when the stock markets were trending up… Robert and Susan decided to purchase a second home in Florida. The account can be rebalanced during this period in order to pay for this purchase.

Investment strategies are dependent on market conditions. There can be no assurance that any investment strategy will be successful in meeting its objectives.

Rebalancing for Life Needs graph

Every investor’s situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. Investing involves risk and there is no assurance that any strategy, including asset allocation, will ultimately be successful or profitable nor protect against a loss. Investments mentioned may not be suitable for all investors. The forgoing is not a recommendation to buy or sell any individual security or any combination of securities. Past performance may not be indicative of future results. Be sure to contact a qualified professional regarding your particular situation before making any investment or withdrawal decision. Any opinions are those of The Investors Center and not necessarily those of RJFS or Raymond James. Expressions of opinion are as of this date and are subject to change without notice. Rebalancing a nonqualified account could be a taxable event that may increase your tax liability. You should discuss tax matters with the appropriate professional before making investment or withdrawal decisions.