How Should I Invest Once I Retire?
If you're considering retirement soon or are early into your retirement, investing strategies may need to change dramatically. Generally, you'll be moving from a growth-oriented, more aggressive strategy to one that considers your Risk Tolerance, retirement needs and goals, and your legacy aspirations - all grounded in your investing philosophy and Purposeful Retirement™.
The Importance of an Investment Philosophy
At Kastler Financial Planning, we believe investing is an act of stewardship, not speculation. Our investment philosophy centers on aligning your capital assets with your purpose—empowering you to live intentionally, give generously, and leave a legacy that transcends your portfolio.
We view investment portfolios not merely as financial tools, but as a reflection of your deeply held values - the "why" you are investing. Every investment decision should be guided by clarity, integrity, and a commitment to meeting your multigenerational purpose. That is why we developed Purposeful Portfolios™.
We view investment portfolios not merely as financial tools, but as a reflection of your deeply held values - the "why" you are investing. Every investment decision should be guided by clarity, integrity, and a commitment to meeting your multigenerational purpose. That is why we developed Purposeful Portfolios™.
KFP's Purposeful Portfolios™
Where Investing Meets Purpose
While our investment philosophy defines our guiding beliefs, our investment strategy is the "how" we implement that vision. Our investment strategy includes:
• Highly diversified asset allocation
• Use of Core/Satellite portfolios
• Low-cost ETFs or Mutual Funds for investing over the long-term
Whether you’re building retirement income, protecting against inflation, or investing in technical innovation, faith-based values, or for tax-efficiency, each portfolio - Core or Satellite—is crafted to support what matters most to you.
Purposeful Portfolios™ aren’t one-size-fits-all. Core and Satellites are designed to be mix and matched depending on your personal Risk Tolerance, goals, needs, and in alignment with your Retirement Plan.
• Highly diversified asset allocation
• Use of Core/Satellite portfolios
• Low-cost ETFs or Mutual Funds for investing over the long-term
Whether you’re building retirement income, protecting against inflation, or investing in technical innovation, faith-based values, or for tax-efficiency, each portfolio - Core or Satellite—is crafted to support what matters most to you.
Purposeful Portfolios™ aren’t one-size-fits-all. Core and Satellites are designed to be mix and matched depending on your personal Risk Tolerance, goals, needs, and in alignment with your Retirement Plan.
Core Portfolio
Built on Solid Ground
At the heart of every Purposeful Portfolio™ is a Core built for clarity, consistency, and stewardship of your hard-earned money. For clients in retirement, the Core may include a dedicated cash bucket—a strategic reserve to supplement your monthly income and provide peace of mind during market fluctuations. It’s not just about returns; it’s about reliability, purpose, and living with confidence.
The Core is where your financial plan finds its footing—anchored on solid ground and simplicity – and functions as a base for launching your unique Satellites.
The Core is where your financial plan finds its footing—anchored on solid ground and simplicity – and functions as a base for launching your unique Satellites.
Satellite Portfolios
Customization with Intention
While the Core of your portfolio provides long-term stability, our Satellite portfolios are where your unique story comes to life. These specialized investment strategies are designed to reflect your personal convictions, legacy goals, and risk tolerance—whether that means building generational wealth, supporting innovation, or anchoring your plan in real assets.
Currently Available Satellites:
- Dividend Aristocrats
- Tax-Efficient Income
- Healthcare and Longevity
- Faith-Based Values Investing
- Real Assets and Infrastructure
- Crypto and Blockchain Innovation
- Disruptive Technologies
Each satellite is thoughtfully selected to complement your Core, offering targeted exposure to themes that matter most to you. We mix and match these portfolios based on your purpose, your comfort with risk, and the impact you want to leave behind.
From faith-based investing to inflation protection, global diversification to income generation—Satellites allow us to customize your portfolio with intention and integrity.
Satellite Descriptions:
Dividend Aristocrats
Purpose: Generate reliable, growing income via large-cap companies with 25+ years of dividend increases.
This Satellite invests in large-cap companies that have raised their dividends for at least 25 consecutive years, delivering a steady, growing income stream that deepens the stability of our core. Ideal client may be one looking for additional income streams.
Complement to Core:
• Deepens income tilt beyond the Core's broader large-cap exposure
• Lowers volatility: Aristocrats typically outperform in down markets.
• Reinforces stability and yield for retiree cashflows.
This Satellite invests in large-cap companies that have raised their dividends for at least 25 consecutive years, delivering a steady, growing income stream that deepens the stability of our core. Ideal client may be one looking for additional income streams.
Complement to Core:
• Deepens income tilt beyond the Core's broader large-cap exposure
• Lowers volatility: Aristocrats typically outperform in down markets.
• Reinforces stability and yield for retiree cashflows.
Tax-Efficient Income
Purpose: Maximize after-tax income via municipal bonds, covered calls, and tax-managed equities.
By combining municipal bonds, covered-call strategies, and tax-managed equity funds, this Satellite maximizes your after-tax yield—ideal for retirees in higher brackets. It ensures your income is as efficient as possible, freeing up more resources to fuel your legacy and charitable impact.
Complement to Core:
• Offsets taxable distribution drag from core bond ETFs
• Enhances net yield for high-bracket retirees
• Adds alternative income streams when rates fluctuate
By combining municipal bonds, covered-call strategies, and tax-managed equity funds, this Satellite maximizes your after-tax yield—ideal for retirees in higher brackets. It ensures your income is as efficient as possible, freeing up more resources to fuel your legacy and charitable impact.
Complement to Core:
• Offsets taxable distribution drag from core bond ETFs
• Enhances net yield for high-bracket retirees
• Adds alternative income streams when rates fluctuate
Healthcare and Longevity
Purpose of this portfolio is to invest in companies driving medical breakthroughs—from biotech and telehealth to senior-care infrastructure. May be of interest to those that are passionate about health and wellness, or interested in longevity opportunities.
Compliment to Core:
• Defensive characteristics in downturns
• Secular growth fueled by aging demographics
• Alignment with human flourishing
Compliment to Core:
• Defensive characteristics in downturns
• Secular growth fueled by aging demographics
• Alignment with human flourishing
Faith-Based Values Investing
Purpose
of this portfolio is to align your investments with Christian convictions by excluding industries at odds with your beliefs and amplifying faith-aligned enterprises. Ideal client may be a devout investor seeking ethical
investments, families embedding faith into financial legacies, or those prioritizing stewardship through investing.
Compliment to Core:
• Peace of mind in every market cycle
• Investments that mirror personal ministry values
• Enhanced client confidence and trust
investments, families embedding faith into financial legacies, or those prioritizing stewardship through investing.
Compliment to Core:
• Peace of mind in every market cycle
• Investments that mirror personal ministry values
• Enhanced client confidence and trust
Crypto and Blockchain Innovation
Portfolio is designed to gain exposure to the growth potential and diversification benefits of digital assets like Bitcoin and Ethereum, and blockchain technologies. Ideal clients should be tech-savvy individuals comfortable with volatility, clients with a long investment horizon, or those willing to pioneer these riskier emerging markets.
Compliment to Core:
• Uncorrelated returns versus stocks and bonds
• High-beta upside for long-term growth
• Engages next-generation asset themes
Compliment to Core:
• Uncorrelated returns versus stocks and bonds
• High-beta upside for long-term growth
• Engages next-generation asset themes
Real Assets and Infrastructure
This portfolio is designed to hedge inflation and reinforce portfolio resilience through commodities, infrastructure projects, timberland, and farmland. May appeal to those who value environmental and resource stewardship, or clients seeking low-correlation to the Core portfolio with real-asset exposure.
Compliment to Core:
• Tangible inflation protection
• Diversification away from financial markets
• Stewardship of natural resources
Compliment to Core:
• Tangible inflation protection
• Diversification away from financial markets
• Stewardship of natural resources
Disruptive Technologies
This portfolio is designed to leverage transformative technologies and industries that shape tomorrow's economy, such as AI, clean energy, robotics, and fintech. Ideal clients may be visionaries with a growth-oriented mindset, clients comfortable with thematic concentration, or those looking for future-focused breakthroughs.
Compliment to Core:
• High-growth potential beyond core markets
• Engagement with pioneering enterprises
• Opportunity to leave an innovation legacy
Compliment to Core:
• High-growth potential beyond core markets
• Engagement with pioneering enterprises
• Opportunity to leave an innovation legacy
Want to be Purposefully Invested?
Contact Us TodayIf you believe you could benefit from investing in our Purposeful Portfolios, let’s review yours goals to see if you’re a good match for our practice or if you have any questions you can ask here!