Investing isn’t one-size-fits-all. At Gatewood Wealth Solutions, we’ve built a tailored approach—The Gatewood Glide—designed to support investors through each stage of their financial journey, from early accumulation to meaningful legacy-building.
Persona: Early-career professional (entry-level), often single, establishing money habits.
| Account Type | Allocation |
| 401(k) | 100% equities |
| Emergency Fund | 3–6 months (cash in hub account) |
| Bonds | 0% |
| Alternatives | 0% |
Persona: Dual-income couples, high earners, on track to wealth accumulation.
| Account Type | Allocation |
| 401(k) | 100% equities (maximize contributions) |
| Emergency Fund | 6 months (dual-income) or 12 months (single-income) |
| Bonds | 0% |
| Alternatives | 0% |
Persona: Peak-earning years, retirement horizon in sight.
| Account Type | Baseline Allocation | Range |
| Equities | 80% | 70–90% |
| Fixed Income | 20% | 10–30% |
| Alternatives | 0% (default), up to 10% | 0–10% |
| Cash | 12–24 months (gradually increase toward retirement) |
Persona: Retired, financially independent individuals.
| Account Type | Baseline Allocation | Range |
| Equities | 65% | 55–75% |
| Fixed Income | 30% | 20–40% |
| Alternatives | 5% (up to 15%) | 0–15% |
| Cash | 24 months of expenses (cash-flow strategy) |
Persona: Ultra-high-net-worth retirees, philanthropically inclined.
| Account Type | Allocation | Notes |
| Equities | ~65% | Potentially higher if longevity risk is minimal |
| Fixed Income | ~30% | 5–10 years of projected spending |
| Alternatives | 5–15% | Greater access to institutional strategies |
| Cash | 24+ months (flexible) | Dependent on philanthropic activities |
The Gatewood Glidepath significantly diverges from traditional target-date funds. Here’s how:
At Gatewood Wealth Solutions, our Glidepath isn’t just about reaching retirement—it’s about confidently soaring through it. By prioritizing growth through higher equity allocations, our goal is to enable our clients not just to retire, but to retire well—maintaining their lifestyles, preserving their purchasing power, and pursuing meaningful legacies.
In short, the Gatewood Glide is designed not just for longevity, but for prosperity.
Because retirement shouldn’t mean slowing down; it should mean continuing your ascent.
Connect with our team to start your personalized journey toward financial clarity and confidence.
Important Disclosures:
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.
Investing involves risk including loss of principal. No strategy assures success or protects against loss.
This information is not intended to be a substitute for individualized tax advice. We suggest that you discuss your specific tax situation with a qualified tax advisor.
There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.
Alternative investments may not be suitable for all investors and should be considered as an investment for the risk capital portion of the investor’s portfolio. The strategies employed in the management of alternative investments may accelerate the velocity of potential losses.
Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise. Bonds are subject to availability, change in price, call features and credit risk
The principal value of a target fund is not guaranteed at any time, including at the target date.