This model is based on a factor of 50-55 years of age and a LOW level of risk tolerance to current principal with a significant focus towards income generation and secondary emphasis on low volatility for moderate growth in equity. This portfolio’s construction is designed to provide a significant income while protecting against interest rate risk to the primary core holding of Gov. Bonds by using cyclical and value driven interest rate models between Gov. Bonds and Stable Value. This model also incorporates tactical and strategic allocation amongst the equity holdings.

70% Gov. Bonds/Stable Value
10% S&P 500
5% Large Cap International
5% Technology
5% U.S. Small Cap
2.5% Energy