Investment Planning
Our Investment Planning Process
Building a portfolio for retirement is different than building one for just growth. It requires balance, resilience, and a steady hand. At McCarley & Cook, our investment process is designed to give you both confidence and clarity at every stage of retirement. Importantly, we don’t subscribe to the idea that a simple 60/40 stock and bond mix works for everyone. Retirement is personal — and so is the way your portfolio should be structured. We take the time to create an allocation that matches your unique goals, adjusting as needed to support your life, not a model portfolio.
We start by listening — understanding your goals, your income needs, and your comfort with risk. From there, we craft a portfolio that reflects the life you want to live, not just the market’s latest headlines.
Our portfolios are globally diversified, designed to capture long-term growth while minimizing unnecessary risk. We primarily use low-cost index funds and exchange-traded funds (ETFs), allowing broad market participation without the high costs sometimes associated with active management.
We complement these investments with carefully selected individual government and corporate bonds. These portfolios are built bond-by-bond, not as "one size fits all clients". This creates a personalized foundation for the income you'll rely on throughout retirement.
The result is a disciplined, transparent strategy — one that evolves with you and supports your financial independence throughout retirement.
Asset allocation and diversification do not ensure a profit or protect against loss in declining markets.