01 Growth Path
Building wealth
How do I get there quicker with less risk?
Build a durable growth engine and direct each new dollar to minimize taxes.
Your map: The Accumulation Portfolio
Refined Financial Independence
Nobody is watching your retirement.
Not an advisor with 217 other clients. Not a target-date fund stuffed with assets you do not need. Gold+ shows where you stand, which Refined FI portfolio fits your stage, and what to do when market risk rises.
Refined FI navigation system
01
Determine your financial location
✓ Location identified Building wealth, preparing for retirement, and living off investments require different decisions.
02
Calculate your destination
✓ Destination calculated How much income will you need? How much risk can you afford? How far away is retirement?
03
Align the correct map
The right framework begins with the retirement stage you are actually in.
Now someone is watching.
Each retirement stage changes your path
The right retirement portfolio depends on where you are.
Building wealth, preparing for retirement, and living off investments require different decisions. Gold+ identifies your stage, then shows which Refined FI portfolio, calculators, and actions matter now. The Refined FI Risk Monitor checks market risk daily and emails you when guidance calls for a portfolio change.
02 Transition Path
Preparing for retirement
How do I protect my transition?
Reduce bad outcomes and prepare the portfolio before withdrawals begin.
Your map: The Glidepath Portfolio
03 Income Path
Living off investments
How do I make my income last?
Income needs to be diversified beyond stocks and bonds in today's markets.
Your map: Harbor Portfolio or Sustain Portfolio, matched to your withdrawal rate
Your plan changes when life changes
Retest your plan whenever life changes.
A retirement plan is not a one-and-done document. A new job, market swing, college tuition, inheritance, or divorce can change where you stand. Gold+ gives you the calculators and Refined FI portfolios to retest your plan, while the Risk Monitor keeps watch between those moments.
Gold+ is like getting the answer key before your final exam. You still have to do the work, but you know what matters and what to do next.
- 1 Know where you stand
Find your number and see whether you are behind, on track, or ahead.
- 2 Follow your stage-based path
Use the Refined FI portfolio, calculators, and tools that matter for your stage.
- 3 Know when risk requires action
The Refined FI Risk Monitor checks daily and emails you only when the data calls for reducing your portfolio risk.
Research for better decisions
Understand the thinking behind your plan.
Investment Accounts
Your 401(k) Portfolio: One Job, One Fund, and Where the Rest Belongs
A little of everything is not a portfolio. Here is the 401(k) mix by stage, and what belongs elsewhere.
Read the insights →Retirement Income
Best Retirement Calculator: Why One Number Is Not Enough
Understand what a retirement calculator should do and use a five-tool framework that turns each answer into your next retirement decision.
Read the insights →Investment Accounts
Best 401(k) Investment: Why Target-Date Funds Delay Retirement
Want to delay retirement? Target-date funds took 4.5–5.6 years longer than an S&P 500 index fund.
Read the insights →