There Are More Than 50 Ways to Lose Wealth

Managing risk in retirement is about more than just your investments. The estate plan that was never created — or created and never updated. The beneficiary designation that contradicts the will. The trust that was created but never funded. The tax exposure nobody modeled. The liability gap nobody asked about. Rulicent addresses all of them.

Rules-Driven Wealth Management — Serving Clients Nationwide

Rulicent Investments, LLC is a registered investment adviser based in Oklahoma City, serving pre-retirees and retirees nationwide with $500,000 or more in investable assets. We address risk management, estate planning, and investment strategy as a coordinated system — not in isolation.

Most investors know markets change. What they don't realize is their portfolio doesn't. One permanent allocation is expected to survive every market cycle — too defensive when growth is rewarded, too exposed when risk is punished. Rulicent adapts capital to the cycle instead of assigning one portfolio for all time.

Six Questions Your Current Advisor Should Be Able to Answer — In Writing

At Rulicent, every one of these questions is answered by a written rule — established before the market created pressure to change it.

What rules determine when my capital is deployed to offense versus defense?

Capital is assigned by prevailing conditions and deployed according to defined rules. When conditions support growth, capital is committed to offense. When conditions deteriorate, capital is shifted to defense — deliberately, not reactively.

What written rules govern how decisions are made when markets decline?

Uncertainty does not eliminate decisions — it magnifies them. When clarity declines, emotion rises. Rules exist to decide in advance how decisions will be made, when judgment is most vulnerable.

How does my allocation change as market conditions change — or does it?

An allocation that does not change guarantees misalignment over time. Neutral positioning is not passive. It is a permanent decision to be wrong in most environments — too defensive when growth is available, too exposed when protection is required.

What specific criteria trigger a shift to defensive positioning, and what triggers re-entry?

Defense is the intentional reduction of exposure when conditions threaten damage. Capital protected early preserves future compounding. Capital protected continuously suppresses it. Defense is temporary. Its purpose is re-entry, not retreat.

What return does my portfolio need to achieve, and how is my allocation evaluated against that number?

Every plan depends on performance. When returns fall short, the plan eventually breaks — regardless of intent. Return assumptions are not guarantees. When returns fall short, the math does not adjust — the outcome does.

What evidence determines where my capital is concentrated at any given time?

Momentum reflects persistent strength. Direction persists until evidence changes, and strength tends to persist longer than expected. Alignment is recognition, not speculation.

If you have never been asked to think about these questions, that is not an oversight. The conventional system was not designed to answer them.

How the Strategy Works — Monthly Sector Measurement, Two Structural Capabilities

The strategy begins at the S&P 500 benchmark — all 11 sectors at market weight. Each month, every sector is measured against the market and against each other across four dimensions: breadth, depth, velocity, and momentum. The portfolio responds to what the measurement finds.

Overweight Relative Strength

Sectors showing persistent relative strength — confirmed across multiple measurement dimensions — receive above-benchmark allocations. Capital is aligned with what the market is currently rewarding, not what it rewarded in the past.

Underweight Relative Weakness

Sectors showing persistent relative weakness are reduced below benchmark weight. This is the structural capability most portfolios lack entirely. A rules-driven approach can reduce exposure to deteriorating sectors — not just hold them and wait.

Sector weights are reviewed and adjusted at the end of each month. This is not high-frequency trading. It is systematic, rules-governed rebalancing that responds to observable market conditions.

Sequence of Returns Risk: The Retirement Threat That Average Returns Cannot Reveal

Two portfolios can earn identical average returns over 25 years and produce completely different outcomes. The difference is not the return — it is the order in which those returns arrive.

A significant decline in the first years of retirement forces the sale of assets at depressed prices to fund withdrawals. Those assets are no longer available to participate in the recovery. During accumulation, bad years are offset by continued contributions. In retirement, the portfolio is compounding while being depleted — and the timing of returns matters as much as their magnitude.

Rather than holding a cash buffer and hoping for favorable sequencing, a rules-driven portfolio actively reduces exposure to large declines based on objective, measurable signals about current market conditions.

The Portfolio Evaluation

A complimentary, no-obligation review that answers the question most advisors never ask: does your current portfolio have a realistic path to funding your retirement?

We calculate your Required Return, stress-test your current allocation against it, and show you exactly where the gaps are — if any exist. Complimentary. No obligation.

What You Receive

• Your Required Return: The specific annual return your portfolio must achieve — calculated from your actual numbers, not a generic projection.
• Strategy Gap Analysis: Whether your current allocation is realistically capable of delivering that return over your retirement horizon.
• Sequence Risk Assessment: How vulnerable your portfolio is to a market decline in the early years of retirement — and what the math looks like if one occurs.
• A Clear Next Step: If there is a gap, we will show you what addressing it would look like. No obligation, no pressure.

How Rulicent Is Different

Rules-Driven — Strategy, Not Opinion

Every allocation decision is governed by a defined set of rules — not market predictions, not gut instinct, not committee consensus. Rules decide in advance how judgment will be applied, before emotion and stress distort it. The rules respond to what is observable now.

SectorPulse™ — Adaptive Equity Management

A proprietary system that evaluates sector-level momentum and adjusts equity exposure accordingly. Capital is directed toward the parts of the market that are actually producing growth — and reduced from areas of persistent weakness. When conditions support growth, we are fully invested. When they don't, we step back.

BondPulse™ — Dynamic Fixed Income

Bonds are not a permanent allocation — they are a tool. In 2022, both stocks and bonds fell simultaneously, exposing the flaw in treating fixed income as automatic protection. BondPulse™ deploys fixed income when conditions call for protection and steps aside when growth is available.

Fee-Only · Fiduciary — No Commissioned Sales. Full Alignment.

Rulicent is fee-only and fiduciary. We do not earn commissions on products. We are compensated solely by our clients — which means our only interest is the performance of your portfolio, not the sale of a product.

Built by Someone Who Has Seen What Happens When Strategy Is Absent

Dustin Wigington spent years at Fisher Investments and Principal Financial Group, working directly with investors and studying the gap between what advisors promise and what portfolios actually deliver.

That gap — between an allocation and a strategy — is what Rulicent was built to close. The firm is independent, fee-only, and built around a single conviction: that a retirement portfolio should be managed against a defined objective, not a generic risk profile.

Dustin is also the author of The Retirement Plan Paradox — a framework for understanding why conventional retirement planning often fails the investors it is meant to serve, and what a structurally sound alternative looks like.

• Fisher Investments — Former Regional Vice President, Private Client Group
• Principal Financial Group — Former Senior Financial Advisor, Retirement Planning
• Author, The Retirement Plan Paradox
• Registered Investment Adviser, State of Oklahoma
• Based in Oklahoma City · Serving clients nationwide

The 50 Ways to Lose Wealth — Six Risk Categories

Most advisors address investment risk and call it wealth management. Rulicent addresses six risk categories: Estate Risk, Liability Risk, Tax Risk, Family Risk, Retirement Risk, and Investment Strategy Risk. Risk management is not complete until the entire system has been considered.

Estate Risk

Estate plan never created or never updated. Will not updated after marriage, divorce, or death. Beneficiary designations contradict the will. Trust created but never funded. No power of attorney. No healthcare directive. Assets titled incorrectly. Probate exposure. No plan for digital assets.

Liability Risk

Insufficient umbrella liability coverage. Business liability exposure bleeding into personal assets. Real estate liability not isolated. Professional liability gaps. No asset protection structure. Personal guarantees on business debt.

Tax Risk

No Roth conversion strategy. Required Minimum Distributions not planned. Social Security timing not optimized. Capital gains not managed. No tax-loss harvesting strategy. Estate tax exposure not addressed. Charitable giving not structured for tax efficiency.

Family Risk

No plan for incapacity. No family meeting about the estate plan. Unequal treatment of heirs not documented. No plan for a special needs beneficiary. Blended family conflicts not addressed. No succession plan for a family business.

Retirement Risk

Required Return never calculated. Withdrawal rate not stress-tested. Sequence of returns risk not addressed. Inflation not modeled. Healthcare costs not planned. Long-term care not addressed. Social Security strategy not optimized. Pension survivor benefit not evaluated.

Investment Strategy Risk

Static allocation in a dynamic market. No rules governing defensive positioning. Fees eroding compounding. Benchmark-hugging producing benchmark returns. No process for adapting to changing conditions. Advisor compensated by commissions, not performance.

The Portfolio Evaluation — What It Is and What to Expect

A Portfolio Evaluation is a complimentary, no-obligation conversation where Rulicent calculates your Required Return, reviews your current investment strategy, and identifies whether there is a gap between what your portfolio is designed to deliver and what your retirement actually requires. It typically takes about an hour.

Most advisors assign your capital to a model portfolio based on a risk tolerance questionnaire and then wait. Rulicent starts with a different question: what rate of return does your retirement actually require? Every strategy is governed by written rules that determine how the portfolio adapts as markets change.

Rulicent Investments is headquartered at 2500 S. Broadway, Suite 230, Edmond, Oklahoma 73013. We serve clients throughout the Oklahoma City metro area including Edmond, Moore, Norman, Yukon, Mustang, Midwest City, and Nichols Hills, as well as the Tulsa metro area including Tulsa, Broken Arrow, and Jenks.

Rulicent clients are typically pre-retirees and retirees with $500,000 to $3 million in investable assets. They have saved diligently, are approaching or in retirement, and are asking whether their current strategy is actually capable of funding the retirement they have planned.

Rulicent Investments is an Oklahoma City-area registered investment adviser offering rules-driven, adaptive portfolio management for retirement investors with $500K+. Founded by Dustin Wigington, former Fisher Investments Regional VP.