Using a Hierarchy of Funds to Reach Client Goals

3 Pages Posted: 6 Nov 2019

See all articles by Jason Branning

Jason Branning

Modern Retirement Theory

M. Ray Grubbs

affiliation not provided to SSRN

Date Written: December 1, 2010


Personal finance is not institutional finance; therefore, we believe that there is an alternative mental map that changes the way advisers and individuals think about the unique questions retirees must answer, and offers a hierarchy of funds to reach client goals in any market. We call this alternative mental map modern retirement theory (MRT).

MRT suggests that historical long-term averages may not apply in individual client scenarios and seeks to offer a sustainable benefit to individuals. It proposes a perspective on retirement planning that seeks to meet the individual client’s retirement goals under any market condition or life event.

Keywords: Retirement Planning, Personal Finance, Modern Retirement Theory

Suggested Citation

Branning, Jason and Grubbs, Michael, Using a Hierarchy of Funds to Reach Client Goals (December 1, 2010). Available at SSRN: or

Jason Branning (Contact Author)

Modern Retirement Theory ( email )

P.O. Box 2908
Ridgeland, MS 39158
United States


Michael Grubbs

affiliation not provided to SSRN

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