Retirement Planning and Management

The firm structures portfolios using time-segmented bucketing, which allocates near-term withdrawal needs to low-volatility holdings like bonds and cash equivalents, while longer-horizon assets remain in equities for growth. This approach directly addresses sequence risk — the danger that early retirement market declines permanently impair a portfolio's ability to sustain withdrawals. The strategy aligns with methodologies advocated by academic retirement-income research rather than a single total-return target.

No. The firm deploys client capital exclusively through publicly available securities, mutual funds, individual bonds, and insurance-based products. It does not sponsor private funds, participate in SPVs, or arrange direct co-investments. Its mandate is restricted to liquid, transparent instruments suitable for a retirement-income framework.

The firm integrates annuities selectively as a tool for longevity risk pooling — converting a portion of assets into guaranteed income streams to cover essential expenses. This usage treats annuities as a pension-like income floor rather than a total-portfolio solution. The specific product recommendations depend on client age, health, and existing guaranteed-income sources like Social Security.

There is no publicly disclosed succession or continuity plan for Retirement Planning and Management. The firm's identity and service model remain tied to Scott R. Riddle as the principal advisor. For a practice serving clients in or near retirement — where advisory relationships often span decades — the absence of a stated successor represents a structural risk.