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BOSTON — (BUSINESS WIRE) — To combat many Americans’ reality that they will ultimately outlive their retirement savings, Integrated Partners has decided to share via a white paper its proprietary model which seeks to offer people an opportunity to preserve their short-term funds while also maximizing their long-term saving’s potential for additional earnings. Integrated’s Lifetime Income Model (LIM) is designed to fill the void between a person’s anticipated income and the total amount they will need to live out their lives as they wish.

LIM portfolios are divided into segments, each geared toward five years of investing, that are chronologically arranged. Money that retirees will need for more immediate needs is placed in accessible investments that can be quickly liquidated if needed and funds that have a longer horizon are invested more aggressively with each successive segment having progressively more income-generating investments. Then as the first five-year portion is spent, it is replaced by the next, slightly more aggressive batch of investments and each subsequent group of investments are funneled down to become slightly more conservative.

“One of the biggest issues retirees face is market volatility and having to liquidate an investment at a non-ideal time because they need the money,” explained Paul Saganey, CFP, President and Founder of Integrated Partners. “The LIM allows these long-term investments to follow their potentially bumpy path more easily because they have the benefit of time to achieve their goal. We have utilized the LIM at Integrated Partners for the last 20 years during the Dot Com crash, the Great Financial Crisis and the COVID-19 pandemic.”

The World Economic Forum’s 2017 white paper entitled “We’ll Live to 100 – How Can We Afford It?” found that most people are not saving the recommended 10 to 15 percent of their paycheck for retirement. In fact, the retirement savings gap in 2015 was estimated to be about $70 trillion across the globe with the U.S. having the largest shortfall. In 2017, that gap was anticipated to increase about five percent each year to hit $400 trillion by 2050.

There are several reasons for this shortfall – workers not saving enough, the status of the markets and high costs of living, among others.

“Changing market conditions have made the LIM an attractive option for retirees,” said Raymond Lucas, CFP, Integrated Partners’ Senior Vice President of Financial Planning and Training. “Low interest rates make the bond market not as fruitful for retirees. And if a person so happens to retire at the same time as the start of a major decline such as COVID-19, using traditional retirement savings methods they’re just told they’re unlucky. That’s not good enough. Financial advisors have a duty to do all that they can to help a person achieve their financial goals. And that’s why we’ve published our LIM in a white paper so financial advisors and investors can learn more about this option for their retirement funds.”

For more information about the LIM or to download the whitepaper, go to

About Integrated Partners

Since 1996, Integrated Partners has been helping financial advisors to achieve their entrepreneurial vision. We offer comprehensive business building services, designed with the truly independent advisor in mind. With over one hundred and fifty advisors, one hundred and twenty-seven CPAs and forty-five regional offices across the United States. Integrated has built our reputation advisor by advisor, client by client. Constructed and grown upon a foundation of empowerment, integrity, and trust, we believe in the incredible power that financial advisors have to make a positive impact on people’s lives. Integrated supports advisors by offering a completely customizable open architecture business environment: technology, investment management, advanced planning, CPA partner program, custody, marketing, public relations, M&A, succession planning and comprehensive business counsel.

We believe in advisors. Let us prove it to you.

Securities offered through LPL Financial. Member FINRA/SIPC. Investment advice offered through Integrated Partners, a registered investment advisor and separate entity from LPL Financial.

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly.

There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.