About the Asset Dedication® Investment Strategy

Through an innovative, proprietary investment strategy, Asset Dedication’s customized portfolios are driven by your financial planning process.  We engineer portfolios to help provide your clients with a better chance of reaching the goals laid out in their financial plan.  Our Critical Path^® System turns each client’s financial plan into a unique goals-based benchmark so we can work with you to monitor and manage their progress.

Going beyond traditional asset allocation, Asset Dedication breaks down your portfolio into 2 sub-accounts to take advantage of the nature of the underlying investments and assign them a specific purpose. The Income Portfolio is made up of individual bonds engineered to provide predictable income and to protect principal.  The Growth Portfolio consists of equities and other long-term capital gain investments that are designed provide better downside risk protection over a series of target time horizons.

Income Portfolio Function:

• Protect principal, even in periods of rising interest rates
• Deliver a predictable retirement “paycheck” for retired clients
• Build an income strategy for clients approaching retirement
• Create a time buffer so clients do not have to sell equities into a declining market

Growth Portfolio Function:

• Provide higher expected long-term returns while providing better downside protection
• Improve the long-term probability of successfully reaching the goals in the financial plan
• Complement the time horizon of the Income Portfolio