FMB’s SAIL program is designed to address two of the issues most important to many of our clients today: withdrawal strategy & capital preservation.  With these two ends in mind, the partners at FMB built the SAIL program by pulling relevant core strategies from existing well established research such as the Yale Endowment Fund and fundamental Cash Reserve strategies.  By applying the portions of the high-level strategies which pertain directly to the achievement of our clients’ most important goals, we have developed a retirement funding strategy that is not only highly effective, but also relatively simple for clients to understand and monitor on an ongoing basis.


  • Make smarter decisions with your money by using a disciplined scientific approach rather than emotion
  • Provide confidence in your retirement
  • Implement a Strategic Budget Structure
  • Maintain relative purchasing power of both capital and income
  • Provide stable income for retirement spending


How does it work?  

  • Collaboration to determine number of years of Retirement Salary to shelter
  • The spending formula reestablishes the Retirement Salary quarterly
  • Trailing market performance steers spending by systematically avoiding sale of depressed assets
  • Retirement Salaries are held in Income Reserve account
  • Flexible cash flow via A.C.H. transfers to personal bank account
  • Back weighted withdrawal formula to smooth out cash flows



  • Q: How often can I get my retirement salary transferred into my personal checking account?

    A: As often as you choose (weekly, bi-weekly, monthly, etc.)

  • Q: Can I spend more than my calculated Retirement Salary?

    A: Yes, it is your money. The SAIL program will simply establish parameters to make more informed and rational spending decisions

  • Q: Does the program cost extra?

    A: No, it’s a value added service at no cost to you

The FMB Blog

Understand the Ins and Outs of Medicare

11/7/17 If you’re turning 65 soon, it’s time to learn the ins and outs of Medicare, the federal health insurance program for seniors that is run by the Centers for Medicare & Medicaid Services (CMS). Currently, 57 million beneficiaries—or...

4 Key Steps Every Athlete Must Take Before Hiring a Financial Planner or Advisor

10/31/17 Many financial planners dream of landing an athlete or celebrity as their client, but the truth is, not every financial planner has the tools and expertise to handle the complexities of managing a portfolio like this. Most clients have...

7 Estate Planning Mistakes (and How to Avoid Them)

10/24/17 Most people would probably prefer to put off planning for their death. But if you own anything of value—and most people do—then you’ll want to add estate planning to your to-do list soon. An estate plan establishes what will happen to...

Off to College: Books, Bedding and a Power of Attorney?

9/11/17 When your child prepares to head off to college, putting a power of attorney in place for them is likely the last thing on your mind. After all, they’re just about to test the waters of adulthood, of true independence, and there’s so much...

Financial Planning Steps after Losing a Spouse

8/15/17 Nothing can prepare you for losing your spouse. If you have recently been widowed, the world seems to demand rapid response to weighty decisions at every turn. Among the hardships of losing a spouse are legal decisions, financial pressures...