Strategic Retirement Planning
for a Secure Future
Retirement isn’t simply about accumulating savings—it’s about creating a sustainable, tax-efficient income stream that will support your lifestyle for decades to come. Yet, 75% of Americans aren’t saving enough to maintain their living standards in retirement, and half of retirees die broke.
These are staggering numbers. But they’re not surprising.
The reality is that most financial planning today is based on flawed assumptions and outdated models. If you want to take charge of your future, it’s time to go beyond conventional planning and demand best practice, objective guidance.
At CB Investment Management, we use rigorous planning tools, proven economic models, and a deeply informed process to help you navigate your retirement journey—without guesswork or false promises.
The Core of Our Approach
We combine real-world investment experience with powerful planning software—specifically, Maxifi, the most advanced, economics-based planning platform available today. Built by leading economists like Professor Larry Kotlikoff, Maxifi eliminates flawed assumptions and provides stable, realistic projections you can trust.
Lifetime Income Planning
Understand your income needs over time, and structure your assets so you never outlive your wealth.
Tax-Efficient Withdrawal Strategies
Access your retirement funds in the most efficient way possible, minimizing taxes while maximizing long-term gains.
Social Security
& Pension Optimization
Strategically time and structure benefits for maximum lifetime value.
Risk-Managed Retirement Investing
Avoid costly drawdowns and emotional decisions with a portfolio built for stable, long-term performance.
The Retirement Crisis
Few Want to Discuss
Show me the incentives, and I’ll show you the outcome.
Conventional financial planning is riddled with conflicts of interest and weak modeling. Planners are often incentivized to use overly optimistic assumptions that produce plans with rosy projections—but dangerous hidden risks. These risks often translate into real-world financial failure.
As a Math MA from Oxford and former Actuarial Trainee auditing Defined Benefit Pension (DBP) plans, I’ve seen firsthand how flawed financial models can collapse retirement systems. DBP plans failed not because of the structure, but because actuarial assumptions were too optimistic, and planners gave in to pressure from CEOs who wanted lighter liabilities.
Now, individuals carry all the retirement risk—with little guidance or protection. You are the CEO of your own retirement, but you may be using the same broken planning methodology that failed before.
What You Must Know
- Most financial plans assume high returns without proper risk evaluation
- High-risk investment strategies based on flawed plans are dangerous
- Without best practice verification, you cannot trust the results
simulations and incomplete planning models. The weakness of required fiduciary standards combined with investment inexperience, and inaccurate assumptions and calculations leaves several questions open about the resulting value of conventional planning results.
What You Must Know
Pre-Retirees
Looking to create a reliable, comprehensive plan that ensures they don’t run out of money.
Retirees
Seeking income optimization, risk reduction, and peace of mind.
Business Owners & Professionals
Planning for financial independence and future
income control.
What Makes Our
Process Different
- Based on economic theory, not Wall Street sales tactics
- Transparent about assumptions, risks, and planning methodology
- Integrated with your investments, taxes, insurance, and estate planning
- Built with objective, real-world metrics you can track and verify
- Supported by decades of experience and elite-level independent research
- Enables retirees to be hands on in their retirement, if they wish, with PHD back up.
- Places investors in a network of retirement professionals to address any issues with social security,medicare, and tax developments and an influencer to be your advocate in Larry Kotlikoff.
