Whether you’re 5 years out or already there, one thing is certain: investing during retirement is different.
The goal is different. The math is different. The experience is different.
Soon, instead of buying and holding, you’ll be selling and spending. Instead of contributing, you’ll be withdrawing. Market drops that once meant a ‘buying opportunity’ are one of your biggest risks, particularly early in retirement.
Yet, most investment approaches never adapt to this new reality.
Traditional investing is like old-school cruise control that maintains the same speed regardless of what happens around you. Our Hybrid Risk-Aware Investment Process is like adaptive cruise control, slowing down when traffic gets worse and re-accelerating once the road clears.
This isn't just about growing your money. It's designed to help you feel more confident investing for a lifetime and spending in retirement without fear.
When paired with our Retirement Income Guardrails, you get a complete navigation system for your retirement journey: adaptive investments that respond to changing conditions and clear guidance on how much you can safely spend.
The result? A retirement road trip with smoother roads, better views, and the confidence to enjoy the journey.
You've probably wondered this during every market selloff... not whether markets will recover (history shows they do) but whether your portfolio has a plan beyond "wait it out." You deserve investments that respond intelligently to a changing world.
Our process follows clear rules that adjust as markets shift. When there is panic, your portfolio is prepared. When opportunities emerge, you're positioned to benefit. No predictions needed, just a rules-based response to what actually happens.
The next 30 years probably won't look like the last 30. While traditional approaches cling to historical averages, your portfolio looks forward. Your investments adapt to trends as they develop, through a retirement that could span three decades of change. This approach means more ways to fund the retirement you envision.
You wouldn't use just one tool to build your dream home, and you shouldn't use just one strategy to protect your retirement. Yet that's what traditional buy-and-hold asks: trust that one approach works in all conditions, through all markets, for all of retirement.
True diversification means multiple strategies working together. Some to grow, others to defend. Some follow trends, others maintain a steady course. This aims to create balance. When one approach faces challenges, others compensate.
The U.S. has been the winning bet for decades, but you can't assume that continues forever. You want a portfolio that finds opportunity wherever it develops, without having to predict what performs best and when.
When U.S. markets pause, international markets might boom. When stocks struggle, commodities or gold could thrive. You get global diversification that adapts to changing leadership, designed to participate in a broader range of opportunities around the world, not just America's.
Some advisors recommend strategies they'd never use themselves. Not here.
I didn't build this investment approach to "sell." I built it for my own financial security first.
After a decade in the business and earning advanced credentials, I wasn't satisfied with the static strategies that require you to "grit your teeth and bear it" through downturns. Whether you're 25 or 85, losses hurt. I feel that pain too.
That's why I developed this approach. I wanted confidence that comes from a process designed for real life, not just what works in a textbook or chasing some benchmark that doesn't pay my bills or fund my retirement.
What does this mean for you?
My personal investments follow the exact same rules as yours. When your portfolio trades, mine trades. Same signals. Same process. Same platform. My financial future depends on this working. Not just for my business, but for my family too.
This isn't a product I'm selling. It's a philosophy I believe in. It's what I've chosen for my own investments because it offers the best combination of growth potential and risk management that I've found.
When you work with us, you never have to wonder if I truly believe in what I'm recommending. We're in this together.
This concern comes up in many of our initial conversations. You've been investing the same way for decades: steady contributions and steady growth. But your goals are different now. You're no longer buying and holding. You're selling and spending.
You need an investment process built to meet the specific and complex challenges of maximizing your retirement paycheck, not just a continuation of what worked during your earning years.
You're not alone. This is the #1 fear we hear from pre-retirees. You've done everything right for decades. But there's one scenario that keeps you up at night: what if everything collapses just as you're ready to start living off your savings?
You know the statistics. But you also know that pulling money from your account during a big downturn means that "the market" might recover, but your portfolio won't. This is called sequence of returns risk, and it's exactly what our approach is designed to address.
You call your advisor worried about market volatility. Their response? "Stay the course. Markets always come back." You get the logic. But you're human!
Watching your account balance drop by six figures feels different at 62 than it did at 42. You want an advisor who understands this reality and has a plan that adapts, not one who just expects you to "grit your teeth and bear it" during tough markets.
Your phone software updates automatically. Your thermostat learns your schedule over time. Amazon suggests products based on your preferences.
So why doesn't a million-dollar retirement portfolio adapt when markets are booming or crashing? You deserve an investment process that reflects the changing world you live in and adapts to the times.
Sure, markets eventually recovered from past crashes. But "eventually" doesn't help when you're living through it. And the world feels more uncertain than ever.
You don't need someone to promise the future will be easy. You need investments designed to give you confidence they can handle whatever comes next.
Your portfolio tells a story. But is it the right one for retirement?
Many retirees are still invested for the chapter they've left behind, not the one that's ahead. It's time to think about your investment strategy through the lens of your retirement paycheck. We'll show you how to align your investments from growing wealth to spending it.
Built different because retirement is different.
We build a portfolio that adapts to changing markets: protecting when trends turn negative, capturing growth when opportunities emerge. This isn't "set it and forget it." Every piece of the investment puzzle serves a purpose: some defend, others pursue, all working together to fund your retirement
Markets evolve. So should your portfolio.
While you're enjoying your hard-earned retirement, we monitor your investments by the rules. No emotional reactions. No panic selling. Just disciplined responses to actual market trends. When conditions warrant changes, we act. When they don't, we hold steady. You'll always know what's happening and why.
Informed. Not overwhelmed.
Monthly updates delivered in plain English. No jargon. No 40-page reports. Just clear communication about what matters to your money. Want to dig deeper? Schedule a video call anytime. We believe the best investment outcomes happen when you understand and trust the process.
Through hundreds of retirement planning conversations over the past decade, we've heard the same key concerns that keep people up at night, and built our process to address them.
Think of your retirement journey like a long road trip. Just as modern vehicles come equipped with integrated safety and navigation systems to reach your destination safely and comfortably, your retirement should integrate investments with clear spending guidance.
Our investment approach provides the safety features. Static investment strategies are like seatbelts and airbags, designed to lessen damage after a crash. Our Hybrid Risk-Aware process works like adaptive cruise control and lane assistance, actively monitoring to prevent accidents from happening in the first place.
Our Guardrails process acts as your GPS. It provides clear, turn-by-turn directions from your retirement spending, alerting you when it's time to make adjustments to stay on course.
When these two systems work together, you get what every retiree wants: clear guidance on what you can spend (Guardrails) powered by investments designed to support your retirement income (Hybrid Risk-Aware).
The result? You can focus on enjoying your retirement journey instead of worrying about every traffic jam or bump in the road.
Our investment management fee is based on your account size:
$1 - $250,000: 0.75%
$250,001 - $500,000: 0.70%
$500,001 - $750,000: 0.65%
$750,001 - $1,000,000: 0.60%
$1,000,001 - $2,000,000: 0.55%
$2,000,000+: 0.50%
This covers portfolio management, monthly trading based on market conditions, Guardrails monitoring for retirement distributions. Fees are deducted monthly from your account. The underlying index funds add approximately 0.15% in annual expenses.
We do our best work for people with $500,000+ in retirement assets who are happy, fun, and value professional support while they focus on what matters most to them. But we don't enforce a firm investment minimums as one of our guiding principles is making advice more accessible to those who need it most.
Yes, they're designed as an integrated system. Your Retirement Income Guardrails determine sustainable spending levels, while our investment process helps protect the assets funding those withdrawals. You can start with either service, but they're most powerful working together.
The biggest difference is adaptive vs. static approaches. Robo-advisors and target-date funds follow predetermined paths that don't adjust to changing conditions. Our approach adapts when markets change, combining passive investing with trend-following strategies. Plus, we integrate investment management with retirement income monitoring. You're not just accumulating assets, you're building a sustainable retirement paycheck.
Your investments are held at Altruist Financial LLC, a FINRA-regulated broker-dealer and SIPC member. Your accounts receive the same regulatory protections as any major custodian.
You'll have full access to your accounts through Altruist's client portal and mobile app.
What makes Altruist unique is their integrated platform designed specifically for RIAs like us, which means we can spend more time working directly for you rather than on administrative tasks. Learn more here: https://altruist.com/client-hub/
Altruist provides independent custodial services. Christensen Group Financial does not guarantee custodial protections and is not responsible for Altruist's policies or procedures.
To provide integrated monitoring, accounts need to be with our custodian, Altruist. We'll help evaluate if consolidation makes sense for you. Many clients find it simplifies their financial life, but we respect if you prefer keeping some accounts separate.
This question touches on something fundamental about how we think about investment success.
We believe that the outcome of a good investment strategy or financial plan is a life well-lived. Our goal isn’t to "beat the market". It’s to help you live the best life possible with less stress along the way.
If beating an index is your primary concern, we're probably not a good fit for you.
If you want an investment approach designed to give you clarity and peace of mind so you can focus on what matters most to you, then we should talk.
You can end our services at any time with no termination fees or lengthy notice periods. We believe you should feel empowered to make decisions that are best for your money.
All we ask is that you send your request in writing, and we'd appreciate a brief conversation—not to convince you to stay, but to learn how we can better serve people in the future.
Disclaimer: this alignment reflects my personal investment philosophy, but should not be interpreted as a performance guarantee or assurance of suitability for all investors. Please consult to determine if this approach is appropriate for your specific circumstances
All investments involve risk, including the potential loss of principal. Our investment strategy is designed to manage risk but cannot eliminate it or guarantee success. Past performance is not a guarantee of future results. .
Our strategy is structured to adjust based on market trends and rules-based signals. However, like any investment approach, it involves assumptions and may underperform during certain periods.
Investment advisory services provided through Christensen Group Financial, LLC, a registered investment adviser with the SEC and a wholly owned subsidiary of Christensen Group Inc. For more information about our services and regulatory filings, please see our Form ADV Part 2A
%20(1).webp)
.jpg)
.jpg)
.jpg)