Dual Cash Flow Modeling
We use two methods of cash flow modeling to evaluate a client’s situation and scenarios: average market returns and true historical simulation. These two points of view provide clients with complementary perspectives to gain knowledge and confidence. Clients can rely on the average market returns method to make long-range life choices, evaluating returns and expenses relative to the average growth rate and inflation over the past 84 years. They can gain a comfort level in decision-making by reviewing the true historical simulation method, sometimes referred to as Monte Carlo simulation. This model weighs their situation against market volatility over rolling 20-year market cycles since 1926, enabling clients to successfully navigate dynamic market cycles.
“We prepare clients to make decisions in both good times and bad. Our clients are not paralyzed by indecision because we provide them with a historical market perspective and monitor every outcome moving forward.”