The Critical Path® approach links your clients’ investments and their financial plan. At the heart of all financial plans is the balance between volatility and longevity risk. When establishing client goals and mapping out an investment strategy to meet those goals, you and your clients need the flexibility to make adjustments along the way to accommodate for various issues such as:

Life expectancy
Inflation
Spending Needs
Investment Returns
Market Volatility
Healthcare Costs

The Critical Path is an intuitive approach to navigating these issues in a way that your clients can understand and visualize. The curve represents the break between the Safety Zone, where clients are on track to meet their goals, and the Danger Zone, where market declines will alert you that corrective action may be needed.
Performance Monitoring

The Critical Path allows you to: monitor your clients’ investments in the context of their financial plan; decide whether to extend their Defined Income Portfolio; and develop an early warning system to take action when needed.
Communication Tool

The Critical Path presents a graphical display of your clients’ current financial position overlaid on their long-term financial goals. They can easily visualize the big picture in their portfolios, along with their investment performance, because it all links back to their financial plan. ‘
Relationship Management

The Critical Path becomes the focus of your investment planning conversation. It serves as a powerful way to help clients understand the tradeoffs between spending less, planning for contingencies, taking more or less risk and other planning issues.

When you use the Asset Dedication Unified Managed Accounts platform, we provide the technology, reporting, and tools to generate the Critical Path reports under your brand, online or in PDF format, providing you with a powerful performance monitoring, communication and relationship management tool.