What Is a Points Portfolio?

A Points Portfolio is your third retirement bucket - the one most financial advisors ignore because it doesn't generate advisory fees.

Traditional retirement planning teaches two buckets:

Bucket 1: Cash & Investments (401k, IRA, brokerage accounts)
Bucket 2: Guaranteed Income (Social Security, pensions)

Missing: Bucket 3

Your Points Portfolio is Bucket 3:

  • Built from $80,000 in annual spending you're already doing
  • Accumulated over 10-15 years during your peak earning window (ages 50-65)
  • Deployed strategically in retirement to reduce portfolio withdrawals
  • Extends portfolio longevity by 10-20%

That's not pocket change. That's 2-4 years of travel expenses covered without touching your nest egg. That's your portfolio compounding instead of depleting. That's the difference between running out of money at 87 or 94.

Most people retire with two buckets. You're going to retire with three.

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How the Points Portfolio Strategy Works

  • Step 1: Build Your Portfolio (Ages 50-60)

    Optimize Everyday Spending You Can't Avoid

    You're already spending on groceries, gas, insurance, utilities, and other necessities. The only question is whether you're capturing the value.

    You don't need to spend more. You don't need to sacrifice your lifestyle. You just change which card you swipe.

  • Step 2: Deploy Strategically (Ages 62-75)

    Use Points to Reduce Portfolio Withdrawals

    The first 10-15 years of retirement are your highest spending years. You're healthy, energetic, and finally have time to travel.

    Traditional retirement planning withdraws from your portfolio to fund these years. That's travel expenses coming from your nest egg - money that can't compound for the next 20-30 years.

    Your points portfolio solves this.

    Result: Your nest egg keeps compounding. You retire 2-4 years earlier because your money lasts longer.

  • Step 3: Preserve Your Portfolio (Ages 75+)

    Let Compound Growth Extend Your Savings

    The portfolio preservation math:

    • $3,000/year in point value = $3,000 less withdrawn from portfolio
    • That $3,000 stays invested and grows at 7% annually
    • Over 20 years: $122,870 in preserved portfolio value

    Without points: Portfolio depleted by age 87
    With points: Portfolio lasts until age 94+

    That's 7 extra years of financial security from spending you were already doing.
Your life sets the goals. Your spending fuels the system. I help you connect the two.

Why It Works

You’ve earned stability — now you get to stretch it further.

A Points Portfolio works because it’s built on simple principles:

  • Plan > hustle. Strategy beats chasing deals.
  • Quiet wins compound. A few smart moves outperform complicated systems.
  • Aligned with your life. Your goals determine the strategy, not the other way around.
  • Built with calm confidence. No hype. No overwhelm. Just clarity and results.

You deserve a way to fund your goals that doesn’t drain savings, add stress, or require a Finance degree.

Build My Portfolio

Ready to Build Yours?

If you want a system that grows while you’re busy living real life, I’ll help you build a Points Portfolio that fits your goals, your pace, and your stage of life.

Start Your Points Plan