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The Lifetime Income Portfolio: A Sustainable Approach to Retirement Income

by harmerwealth | Jan 30, 2024 | Investment Income, Pensions, Retirement, Tax Planning

In the realm of retirement planning, ensuring a stable and sustainable income stream remains a paramount concern for individuals transitioning into or already enjoying their retirement years. Harmer Wealth Management, under the guidance of Chad Harmer, has crafted a solution tailored to address this concern: the Lifetime Income Portfolio. This innovative strategy is designed to provide a consistent and dependable income, reducing the traditional anxieties associated with retirement finance, such as outliving one’s savings.

Diverse Investment Vehicles for Consistent Income

At the core of the Lifetime Income Portfolio is a tactical assembly of diverse investment assets, each selected for its ability to generate steady income. This multifaceted approach encompasses:

  • Dividend-Generating Equities: Stocks of well-established companies known for their regular and reliable dividend payouts, providing a steady income stream.
  • Interest-Generating Assets: Bonds and other fixed-income securities that offer interest payments, contributing to the portfolio’s income consistency.
  • Real Estate & Infrastructure Income: Investments in real estate investment trusts (REITs) and infrastructure funds, which distribute income generated from their operations, adding another layer of income diversification.
  • Option Premiums: Strategies involving the selling of options to generate income from the premiums, a sophisticated method that can enhance the portfolio’s yield.

Tailored to Individual Tax Profiles

Understanding that each investor’s financial situation is unique, the Lifetime Income Portfolio is meticulously tailored to align with the client’s specific tax circumstances. This customization ensures that the portfolio is not only generating income but doing so in a tax-efficient manner, thereby maximizing the investor’s after-tax income.

Balancing Income with Capital Growth

A distinguishing feature of the Lifetime Income Portfolio is its dual focus on generating income and achieving capital growth. This balance is critical in preserving and potentially enhancing the purchasing power of the client’s funds over time. By including investments geared towards capital appreciation, the portfolio aims to outpace inflation, ensuring that the retiree’s savings maintain their value in real terms.

Simplifying Retirement Planning

One of the most daunting aspects of retirement planning is estimating life expectancy and ensuring that one’s savings will suffice throughout the retirement years. The Lifetime Income Portfolio addresses this concern by providing a continuous income stream, making the need to predict life expectancy less critical. This approach offers peace of mind to retirees, knowing that their financial needs will be met without the constant worry of depleting their savings.


Harmer Wealth Management’s Lifetime Income Portfolio represents a strategic solution for individuals seeking a worry-free retirement income. By leveraging a diverse set of income-generating investments and tailoring each portfolio to the client’s tax profile and income needs, Chad Harmer and his team ensure a sustainable and efficient income stream for retirees. Coupled with a focus on capital growth, this portfolio is designed to safeguard the retiree’s purchasing power against inflation, making the golden years truly golden.

For those interested in exploring how the Lifetime Income Portfolio can fit into their retirement planning, we invite you to visit www.HarmerWealth.com and schedule a consultation with our Financial Planning team. This initial step could be the key to securing a stable and prosperous retirement.

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