An Evidence-Driven Approach to Wealth Management

We become your financial coach.  Wealth management too often takes place in silos, as traditional firms typically do not take the time to collaborate and integrate all aspects of a client’s financial life. 

 

As part of our comprehensive approach to financial planning, your advisor will work with you to discover your wealth and life goals and will construct an evidence-driven plan to get you there. Tap into the resources and collective wisdom of your advisory team to co-plan and optimize your financial future.

Who We Serve

At Capital Associates, our goal is to help you pursue your goals, whether you’re just getting started, preparing for retirement, or well into your golden years.

Most Investors Need Their Portfolios To Provide Income In Retirement

Most retirees need to make regular withdrawals from their portfolios to sustain their lifestyle. This is why your portfolio should be able to sustain regular withdrawals throughout your retirement. 

Using the same portfolios over the same time period (2000-2019), let’s consider a newly retired 65-year-old couple with a $500,000 portfolio. At the start of every year, they withdraw 5% of the initial value ($25,000 of initial $500,000 starting value). This withdrawal is increased 3% each year to help the couple’s income keep pace with inflation. 

By 2019, the 65% stocks/35% bonds portfolio would be worth $215,721 (and this is after withdrawing $671,759 in income). 

Meanwhile, the S&P 500 portfolio ran out of money.

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Source: Forbes “Top Financial Security Professionals” list, 2022. For more information about the selection criteria, go to .https://www.capitalassoc.net/disclaimer/

Forbes is a trademark of Forbes Media LLC. All rights reserved. These rankings and ratings are not representative nor indicative of any one client’s experience, future performance, or investment outcome.

Is your portfolio heading for the iceberg?

Often times many investors have performed similar to the benchmarks for the last 20+ years without recognizing the market has pulled them along. However, using academics and historical data we can show you that when investors switch to the distribution phase at retirement there is a significant negative consequence which most are unaware of.

Using the same portfolios over the same time period (2000-2019), let’s consider a newly retired 65-year-old couple with a $500,000 portfolio. At the start of every year, they withdraw 5% of the initial value ($25,000 of initial $500,000 starting value). This withdrawal is increased 3% each year to help the couple’s income keep pace with inflation. 

By 2019, the 65% stocks/35% bonds portfolio would be worth $215,721 (and this is after withdrawing $671,759 in income). 

Meanwhile, the S&P 500 portfolio ran out of money.

How Withdrawals Impact a Portfolio

IMPACT OF A 5% WITHDRAWAL

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Discover what sets us apart

The Very Personal Business Of You

CA Wealth Management’s unique model is fueled by the power of our partnerships. We combine the benefits of being an independent advisor with the resources of a Fortune 500 company to bring you the best of both worlds. Our personalized, one-on-one wealth advisory services and simple online tools help you manage your entire financial life in one consolidated and secure place.

Comprehensive
Wealth
Management

A customized blueprint for your finances, investments, taxes and estate plan – effectively mitigating risk and managing the unknown to ensure you never outlive your money.

Evidence-Based
Investing

Your investment plan strategically built to be risk-optimized, cost-effective, and tax-efficient.



Comprehensive Wealth Management

A customized blueprint for your finances, investments, taxes and estate plan - effectively mitigating risk and managing the unknown to ensure you never outlive your money.

Evidence-Based Investing

Your investment plan strategically built to be risk-optimized, cost-effective, and tax-efficient.

Discover what sets us apart

The Very Personal Business Of You

CA Wealth Management unique model is fueled by the power of our partnerships. We combine the benefits of being an independent advisor with the benefits a proprietary platform at a big firm to bring you the best of both worlds. Our personalized, one-on-one wealth advisory services and simple online tools help you manage your enitire financial life in one consolidated and secure place

WHY CAPITAL ASSOCIATES

Live life by design, not by default

What sets up apart: We provide a coordinated, concierge approach to your retirement planning. We pride ourselves on ensuring that each of our clients receives individualized attention, unbiased recommendations and financial counseling that helps them achieve their financial goals and retire with confidence.

Capital Associates has been mentioned as a leader in
wealth management

Why we have one of the best client retention rates in the industry.

Many of our clients make their way to us after leaving big name financial institutions that led them astray with a cookie-cutter approach. Our mission has always been to deliver bespoke financial plans and a concierge experience for our clients. Our unique 360 approach ensures that we develop a plan to meets each client’s specific needs. 

When you join Capital Associates you get the experts – you will never be passed off to an inexperienced junior manager. Our clients have unlimited access to their personal wealth advisor. We’re not just here to manage your portfolio – we are your personal CFO and on call to answer your financial questions and consult on investment decisions. It’s our mission to ensure you maximize your upside, minimize your risk, and ensure you never outlive your money.

Learn why clients stay with Creative Planning year after year.

Hear from President and CEO Peter Mallouk as he explains what makes Creative Planning stand out.

Latest Insights

FINANCIAL PLANNING, RETIREMENT

Required Minimum Distributions

Tax-deferred retirement accounts are the most commonly used vehicle for putting away retirement savings. In most cases, the money is contributed on a pre-tax basis and the earnings are allowed to snowball along the way without taxation. However, when you reach the age of 72, the IRS wants to make up for lost time by requiring you to begin taking required minimum distributions (RMDs).

FINANCIAL PLANNING, INVESTING

What About Bonds?

FEATURED, FINANCIAL PLANNING, INVESTING

Alternatives to Investing in the Stock Market

DIVORCE, RETIREMENT

Social Security for Divorced Spouses

Why not let us do a 360 evaluation for you?

For more information about NYLIFE Securities LLC and its investment professionals, click here.

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