The Time Horizon Advantage
Maximize retirement outcomes with time-based planning
By The Numbers
A Look at Today's Time Horizons
%
Average retirement length has grown by 50% in the last 40 years.
→ We’re living longer — which means we need our money to work longer too.
Lifespan: A 65-year-old couple has a 50% chance one partner will live past age 90.
→ Retirement isn’t a 10-year event. For many, it’s a 30-year horizon.
%
Reducing equity exposure from 60% to 30% over 20 years can cut terminal wealth by up to 40%
→ Playing it too safe too soon can quietly cost clients nearly half their future wealth.
What If We Stopped Treating Retirement as an End Point?
Retirement isn’t the finish line. It’s another 30-year investment horizon.
Yet so much of the industry still treats it like the end of growth.
At PlanScout, we believe the conversation needs to evolve — from age-based allocation to time-based strategy
Time Horizons: A Guide to Plan for Maximum Retirement Outcomes
✓ A clear breakdown of 3 strategic “buckets” (0–4, 5–10, and 10+ years)
✓ Case for aggressive legacy asset growth
✓ Tools to prevent premature portfolio depletion
✓ Why conventional “conservative at retirement” advice is outdated
Faster, Cheaper, Better Plans
Our proprietary planning software enhances your clients’ wealth in the following 4 ways:
Tax Efficiency
We strategically manage taxes through intelligent withdrawal sequencing.
Improved Returns
Our expert asset allocation optimization maximizes returns
Goal Achievement
Better budgeting and goal setting for retirement and asset draw-down.
Income Optimization
We ensure your clients make the most of social security and pension incomes.