Step Two — The 3-6-10
Your perfect day gets a price, then it gets a fortress.
Once we know what your life costs — really costs, governor and all — the allocation stops being a matter of opinion.
The old way starts with a personality quiz: Are you risky? Do you like tech stocks? You’re 50 — here’s a 60/40. Your entire financial future, prescribed by your age and your nerve on the day of the questionnaire.
The 3-6-10
The 3-6-10 starts with your life instead.
- 3
Three years
Three years of what your life costs, in cash and equivalents. Untouchable by any market, any crash, any headline. This is your lifestyle, pre-paid — which is another way of saying this is your freedom, guaranteed in writing.
- 6
Years four through six
Years four through six, held steady and conservative. The bridge.
- 10
The ten-year money
Anything you won’t need for a decade, set free to grow. And it can afford to grow aggressively, precisely because the near years are already safe. A downturn can’t force you to sell your life to survive it. Money with ten years of runway isn’t losing in a crash. It’s just early.
Your life prescribes the allocation. Then the allocation prescribes exactly how the money gets invested. No guessing, no vibes, no quiz.
And yes, we’ve lost clients over the three years of cash.
One told us it was too conservative for him and walked. Okay. Call us in the next great financial crisis; we won’t be able to help much then. The discipline that costs us the occasional client is the same discipline that lets ours sleep through a crash in their first quarter of retirement.
Don’t book a call. Don’t sit through a pitch. Just send us one brokerage statement.
Within 48 hours, we’ll show you what you’re actually paying — every fee, named and totaled — and what those numbers are quietly costing you over the life of your money. Most women who see it have the same reaction: nobody ever showed me this before.
Because here’s the thing about fees: you’re paying them either way. The only question is where and what you’re getting for them. A firm that earns its fee shows you the whole picture, including the parts that don’t flatter the industry. Consider this the first proof.
No obligation. Just the truth about your money, in writing.
Already know you’re ready for the deeper work? Start with Perfect Day
Show me what I’m paying