Our Services Ifft & Palmer's investment approach focuses on goal based investing for our clients. As our clients goals change, their risk tolerance changes, and so do their spending strategies. We will help guide and assist the client during each one of the investment stages: ACCUMULATION OF WEALTH During this stage, our goal is to help you grow your wealth so it can support and assist your most important life goals. PRESERVATION OF WEALTH Helping you to protect your wealth by focusing on your ever changing risk tolerance. DISTRIBUTION OF WEALTH Now that you have built a nest egg, its time to implement a spending strategy during a potentially lengthy and active retirement. Neither Voya Financial Advisors, Inc. nor its representatives offer tax or legal advice. Please consult with your tax and legal advisors regarding your individual situation.