Adapt "It is not the strongest of the species that survives, nor the most intelligent; it is the one most adaptable to change. " - Charles Darwin A big part of adapting is centered around portfolio management - what you own and when you own it. To protect and grow assets it is important to be in the strongest areas of the market and attempt to avoid those not rewarding you for the risk you are taking. This takes a strategy and process that is built to adapt.Another crucial factor for those entering, or in retirement, is income distribution - where do you take it from and how and when. This can be one of the most complex aspects of the retirement income solution. The multiple variables that will exist require coordinated and dynamic planning not a “rule of thumb 4%” static plan model.In order to achieve Success, we need to be ready, willing and able to adapt to unknown variables. Constantly Changing Variables Life Major PurchasesFamily DynamicsChanging Jobs or IncomeHealth IssuesRetirement Decisions Market Market ConditionsInterest RatesMacro/Micro Economic ChangesTax LawsRisk vs. Reward At Capital Portfolio Management, it is both the clients’ and our collective responsibility to be involved, engaged, and keep each other up to date on changes that will affect the path to Success. We believe our combination of Collaborative Planning and Investment Management will help develop the most effective, personalized process. The ongoing communication is what provides the framework for this process to be adaptable to changes that we know will occur. The more we know and understand of our clients’ current and future needs, wants, and wishes the better prepared we are to make investment and allocation decisions in a constantly changing market environment.