​Solving for Retirement Income
A&P Capital LLC provides investment solutions that address one of the most challenging problems facing investors today: How to secure a long-term stream of assured future retirement income from an investment portfolio that is both liquid and has low fees?
 
The Challenge
Most retirement investment solutions focus primarily on asset accumulation, without directly addressing the need to generate assured income during decumulation across the retirement years.
Target Date Funds
Target date funds design predictable asset allocation glide paths. But what happens at retirement? Where investors may land at the target date, both in terms of asset value and retirement income potential, is completely unpredictable in advance.
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The 4% Rule
Simple decumulation formulas, such as the 4% withdrawal rule, can quickly deplete assets in major market declines and offer no guidance on asset accumulation. 
​Annuities
While annuities address the challenge of assured income, they usually do so at the cost of inflexibility, high fees and potential credit risk. 
Products