Broker Check

(630) 510-3126

OMH Partner Group, Inc.

Protect, Manage, Educate... Investment Navigation.


ABC Process

The Financial ABC’s of Retirement Planning Model is Easy to Understand,
an Alternative to the Wall Street Approach!

A - Yellow Money

Yellow Money

High Liquidity

Gains or Lower Return

Bank Accounts, CD's, Cash Accounts

Learn More

B - Green Money

Green Money

Protection and Protected Growth

Partially Liquid

Fixed Indexed Annuities or Fixed Annuities

Learn more

C - Red Money

Red Money


Overall Risk, Loss of principle

Variable Annuities, Stocks, Bonds, Mutual Funds, 401(k)'s, Brokerage Accounts

Learn more


How Does the ABC's of Retirement Planning Model Work?

All rights reserved by David P. Vick, used by permission

Let's pretend every asset you have is liquid, moveable, and changeable. Next, ask yourself, if you could make a new plan starting today, what would it look like? That includes your CD’s, money markets, annuities, stocks, bonds, mutual funds, REIT’s, or whatever. So let's distinguish between your “investable” assets vs. assets that are not (i.e. Rental Property or Real Estate).

You will have to imagine your assets not where they are invested today, or last year, or even where they were 10 years ago. We’re not looking in the rear-view mirror, but trying to map out our future.

It is critical that you look at this in that way. You want to have your investments set up for your needs going forward, not left in accounts that might jeopardize your future. Now not all of your assets are going to be able to be repositioned: however, this exercise will give you a glimpse of what you value in the types of assets in which you might invest and how to allocate.

  • What percent do you need for cash or emergencies, that is you’re A Yellow Money.
  • What percent do you want in the market with risk to principle? That is your C Red Money.
  • Finally add the two percentages and subtract it from 100. The difference is your Protected percentage or B Green Money.