In shifting from the wealth accumulation phase to the retirement income phase of investing there are specific risks that should be addressed when constructing a portfolio. 

• Longevity Risk
• Inflation Risk
• Market / Sequence of Returns Risk

The Elements Financial Group will offer an array of retirement income strategies designed specifically to address these risks.  Strategies currently in development include:

Retirement Income Portfolios

• Access the same consulting expertise used by institutional investors around the globe. 
• Optimize asset allocation to consider income needs.  
• Strategically manage allocation through retirement.

Wilshire Funds Management is the investment management business unit of Wilshire Associates Incorporated (Wilshire®) which provides consulting services, analytic tools and customized investment solutions to approximately 600 organizations in more than 20 countries representing assets totaling more than U.S. $12.5 trillion.

Wilshire Funds Management uses mathematical and statistical investment processes to allocate assets, select managers and construct portfolios and funds in ways that seek to outperform their specific benchmarks.  Past performance does not guarantee future returns, and processes used may not achieve the desired results.  This material is intended for informational purposes only and should not be construed as legal, accounting, tax, investment or other professional advice. 

_{Wilshire is a service mark of Wilshire Associates Incorporated, Santa Monica, California.}