Investment Planning
Investment Planning
R4 structures and manages investment portfolios with a focus on risk mitigation.

R4 seeks to:
Provide some protection from unnecessary asset erosion and any decrease in purchasing power (inflation)
Generate an achievable cash-flow
Position assets so they aren’t outlived
Accommodate any desired legacy planning
Our business model is driven by receiving compensation only after our clients have had the opportunity to appreciate the value of our recommendations by implementing them.
R4 Investments: Four Phases of Investment Planning
The initial phase of our structured process includes:
- First, inventory all investment, financial, real estate and business assets
- Next, R4 will back test* and analyze the assets at an aggregated and individual account level basis with a
focus on:- Performance, fees, and risk (i.e. concentration/diversification, inflation, cyclical positioning, interest
rate exposure)
- Performance, fees, and risk (i.e. concentration/diversification, inflation, cyclical positioning, interest
- Lastly, these findings and reports are shared with you
The second phase includes:
- Working with you to “drill down” on the existing consumption pattern and to forecast the post-retirement
consumption needs - Working with you to learn about your investment/financial philosophy, risk tolerance and to further “drill
down” on all assets and accounts
The third phase includes:
- Engaging with you with the goal of helping to eliminate the unnecessary risks that were identified in the prior
phases - Using your input, R4 will develop a model portfolio to determine if it is possible to align the priorities and
objectives:- R4 has successfully created a model portfolio if the projected cash-flow equals or exceeds the desired
cash-flow given the client’s risk profile
- R4 has successfully created a model portfolio if the projected cash-flow equals or exceeds the desired
- The difference between your current portfolio and the model portfolio will be the basis for any investment
recommendation
The fourth phase includes:
- Quarterly investment reviews (in-person preferably)
- Availability to R4
*Back tested results do not represent the results of actual trading using client assets but are achieved by means of the retroactive application of an investment
process that was designed with the benefit of hindsight. There is no guarantee that back tested results can or will be achieved. This material is for
informational/discussion purposes only. This is not an offer to buy or a solicitation of an offer to sell securities. There is no guarantee the product will achieve it's
objectives. Risk Management is an attempt to manage risk but does not imply low risk.
CRN202011-239720