Introducing:
Kedrec Reservoir™
One of our proprietary strategies. The Kedrec Reservoir™ can help you keep income coming in when markets go down without accentuating losses.
As Seen On
Kedrec Reservoir
If markets only went up, it would be easy to retire and stay retired. However, when markets crash or stay flat for 10+ years, it can be detrimental to retirees and their ability to stay retired.
This is called Sequence of Returns Risk and it is a common blind spot in retirement. In summary, when you take income from an account that has lost money, you accentuate the losses making it more difficult to recover.
For example, if you were to lose -30% in your portfolio, it would take a +43% gain to breakeven. If you were to lose -30% in your portfolio and draw an additional 4% from your portfolio as income, you would be down -34%. That means it would take a +50% return to breakeven.
How It Works
The Kedrec Reservoir suggests that you should consider placing a portion of your assets in accounts that offer principal protection. When markets go up, you can draw income from any part of your portfolio. However, when markets crash, assuming the strategy was implemented correctly, you would be able to draw income from these principal guaranteed sources while your other accounts recover. Think of this part of your portfolio as a reservoir of water, ready to be used in a time of need.
There are six types of investments or products may be used in your reservoir:
High-Yield Savings / Money Market Funds
Bonds / Treasuries
CDs
Fixed Annuities (For growth, not income)
Fixed-Indexed Annuities (For growth, not income)
Cash-Value Life Insurance
It is impossible to know how much of these assets should be in your portfolio without a plan in place first. What is right for you will be different than what is right for someone else. Liquidity may be an issue so proceed with caution as you explore whether this strategy is right for you.
Six Reasons Why People Pick Kedrec
#1 Fiduciaries
As fiduciaries, we are legally required to do what is in your best interest. If there are any conflicts of interest, we disclose them up front.
#2 Independent
No one tells Kedrec what we can and cannot offer. We are agnostic when it comes to various investments, products, and strategies.
#3 Full-Service
Our services cover the entire financial services industry so that you can get comprehensive advice and not fragmented suggestions.
#4 Planning
We believe that you cannot talk about products or investments until you have a plan in place. Don't put the cart before the horse.
#5 Models
We offer active investment models that are designed to make money in up, down, or flat market cycles. We also offer passive investment models.
#6 Wellness
Our plans go beyond the finances. We include health and wellness tips so that you can potentially live a happier and healthier life.
What We Believe Full-Service Looks Like...
Investment
Advisor
Planning
Management
Tax Services
Investments
Insurance
Estate Plan
CPA /
Enrolled Agent
Planning
Management
Tax Services
Investments
Insurance
Estate Plan
Insurance
Agent
Planning
Management
Tax Services
Investments
Insurance
Estate Plan
Estate
Attorney
Planning
Management
Tax Services
Investments
Insurance
Estate Plan
Kedrec
(Full Service)
Planning
Management
Tax Services
Investments
Insurance
Estate Plan*
Health & Fitness
Wellness
Comparison chart is based on typical offerings based on licenses. Not all businesses in the financial services industry are the same. Kedrec's tax services focus on personal tax planning and filing. Kedrec does not offer accounting, auditing, or other business related tax services.
*Estate Planning is offered to through our relationship with Wealth.com.
Estate Planning is not available to residents of Missouri.
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Our comprehensive services are designed to help you fully experience life (financially, at least).
CREATE A RETIREMENT PLAN DESIGNED TO LAST LONGER THAN YOU
HOW TO RETIRE ON TIME
In this book, you'll discover:
How to run the numbers and see when you can afford to retire (It’s easier than you think).
Seven common retirement myths that could hinder your ability to retire on time and stay retired.
Why many common retirement rules may put you at more risk than you realize, and what to do about it.
Discover proprietary retirement income strategies that may be able to help you have more control over your income while potentially lowering your risk.
How to proactively anticipate and manage your retirement during the ups and downs.
Why it’s typically not too late to course-correct. If you have already retired, there’s still time to get on the right path.
And much more!
This book is a marketing publication for Kedrec, LLC
This content on this website is provided for informational purposes only and is not intended to serve as the basis for financial decisions. It should not be construed as investment advice or a recommendation.
Investment advisory services are offered through Kedrec, LLC, a Kansas state Registered Investment Advisor. Insurance products and services are offered through its affiliate, Kedrec Legacy, LLC. We are not affiliated with the US government or any governmental agency.
Investing involves risk, including possible loss of principal. No investment strategy can guarantee success, ensure a profit or guarantee against losses. Insurance product guarantees are backed solely by the financial strength and claims-paying ability of the issuing company.
Insurance and annuity products involve fees and charges, including potential surrender penalties. Annuity withdrawals are subject to ordinary income taxes and potentially a 10% federal penalty before age 59-1/2. Life insurance generally requires medical and potentially financial underwriting to qualify for coverage. Optional features and riders may entail additional annual cost. Product and feature availability may vary by state.
Tax, legal and estate planning services are available only to members who purchase the Fresh Wealth Plan Membership level. Tax, legal and estate services provided by our network of tax and legal professionals. Always consult with qualified tax/legal advisors regarding your unique circumstances.
Enjoy Your Wealth
This content on this website is provided for informational purposes only and is not intended to serve as the basis for financial decisions. It should not be construed as investment advice or a recommendation.
Investment advisory services are offered through Kedrec, LLC, a Kansas state Registered Investment Advisor. Insurance products and services are offered through its affiliate, Kedrec Legacy, LLC. We are not affiliated with the US government or any governmental agency.
Investing involves risk, including possible loss of principal. No investment strategy can guarantee success, ensure a profit or guarantee against losses. Insurance product guarantees are backed solely by the financial strength and claims-paying ability of the issuing company.
Insurance and annuity products involve fees and charges, including potential surrender penalties. Annuity withdrawals are subject to ordinary income taxes and potentially a 10% federal penalty before age 59-1/2. Life insurance generally requires medical and potentially financial underwriting to qualify for coverage. Optional features and riders may entail additional annual cost. Product and feature availability may vary by state.
Tax, legal and estate planning services are available only to members who purchase the Fresh Wealth Plan Membership level. Tax, legal and estate services provided by our network of tax and legal professionals. Always consult with qualified tax/legal advisors regarding your unique circumstances.