Aging & retirement


Learn more about the topic affecting retirees.

Process to mitigate longevity and conditions within longevity

MRT Framework


retirement goals

Modern retirement theory evaluates unknowable risks through a priority of goals.

Each goal builds upon the other to plan for an unknowable longevity and conditions within longevity. 

Decision framework

MRT decision framework uses four prioritized funds to solve against individually unknowable retirement risks.

Start with essential expenses by matching 3-S Income. Then, evaluate and plan with the 3-R Contingency Risk matrix. 

4 Funds

The base fund matches retirement’s essential expenses with stable, secure, and sustainable income.

The contingency fund serves to mitigate the unknown through insurance and hedging strategies.

The discretionary fund consists of delayable, non-essential expenses.

The legacy fund is the remaining resources.

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