Retirement Income

Our Investment Philosophy

Cash Flow For Retirement

For clients with enough assets, we prefer funding a retiree’s spending needs with dividends from stocks and interest from bonds, and if necessary, income from a low-cost fixed annuity. The other well-known income strategy that we endorse relies on asset growth and annual sale of a portion of the assets, combined with a conservative withdrawal rate. Both methods work, but the second process makes the retiree more dependent on positive returns of the stock market.

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Portfolio Growth for Accumulation

For clients primarily concerned with asset growth, a portfolio diversified across several equity classes and styles is appropiate. Such diversification can be achieved by a combination of equity and bond Exchange Traded Funds (ETFs), that produce long-term growth within the investor's tolerance for risk.

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Main: 205-397-2450

Email: bagnew@rfgadvisory.com

Address: 1400 Urban Center Dr #475 Vestavia Hills, AL 35242

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DISCLOSURE:

Advisory services offered by Investment Advisory Representatives of RFG Advisory, a registered investment advisor. Bob Agnew RFG Advisory and RFG Advisory are unaffiliated entities. Advisory services are only offered to clients or prospective clients where RFG Advisory and its representatives are properly licensed or exempt from licensure. No advisory services may be rendered by RFG Advisory unless an RFG Advisory client agreement is in place.

RFG Advisory Part 3, Form CRS, RFG Advisory Form ADV, Part 2A, Investment Advisor Public Disclosure, RFG Advisory Privacy Policy, FINRA/SIPC.

Representative’s current registered states, please visit FINRA’s BrokerCheck.

Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal.

Insurance products and services are offered through a number of insurance providers including RFG Solutions LLC, an affiliated company of RFG Advisory.

Advisory services offered by Investment Advisory Representatives of RFG Advisory, a registered investment advisor. Advisory services are only offered to clients or prospective clients where RFG Advisory and its representatives are properly licensed or exempt from licensure. No advisory services may be rendered by RFG Advisory unless an RFG Advisory client agreement is in place.

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