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5433 Westheimer Road, Suite 800, Houston, TX 77056

713.961.0500 ext 120
jacob.dingle@ceterainvestors.com
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Advanced Time Segmentation 

"A different way of looking at
financial planning"

Advanced Time Segmentation is a different way of looking at and presenting financial planning. At it's core, we match our client's assets to their income liabilities. Meaning, we lay out a strategy that creates inflation-adjusted income that addresses risk by giving equities time to potentially grow untouched. This approach allocates assets into different time segments based on the period of time when those assets are expected to generate income.

A Strategy Driven Practice

Advanced Time Segmentation seeks to provide investors with stable, predictable income while giving time for future possible growth. We take principles that were exclusive to the wealthy, and make them accessible to everyone. We mathematically calculate your risk, inflation adjust your income, and strive to ensure a lasting legacy. We do all of this by implementing a strategy with every portfolio so that time is on your side.

Building Confidence

Most retirees or pre-retirees with a wealth accumulation strategy hunger for stability and are attempting to avoid risk. They strive to build their portfolio on investments that will provide income for their lifetime and beyond. We have adopted an approach to retirement planning that incorporates time-segmented retirement income distribution, a strategy that aims to provide investors with stability, growth, and income. A  financial plan needs to focus as much attention on wealth distribution in retirement as it does on wealth accumulation during one's working years. A successful time segmented wealth distribution plan is designed to provide confidence for retirees into their 90's, as it did in their 60's.

Immediate Income

Immediate Income

This segment is designed for income, and is where your short-term-assets are matched to your short-term liabilities. A portion of this segment is invested in vehicles designed to provide income for life. The remainder of the segment is invested in strategies designed to be spent over a five to seven year period, thus buying time for potential growth in the remaining segments.

Future Income

Future Income

This segment is designed to replenish the fixed-income portion of segment one, resulting in additional time for the long-term investments in segment three to grow. In this segment, mid-term assets are matched to mid-term liabilities. This helps create a bridge between income in segment one and long-term growth in segment three, featuring a typical time horizon of 7 to 15 years.

Long Term Growth

Long Term Growth

This segment is designed for long-term income and growth, with a typical time horizon of at least 15 years. In this segment, your long-term assets are matched to long-term liabilities. By withdrawing assets from segments one and two, segment three investments can be left untouched to satisfy your long-term retirement needs.