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Investment Planning

Our investment approach is guided by three core beliefs that dictate three strategic actions.

  • Our core beliefs are
    1. Faith in the future: We believe things are going to get better, and companies are going to find a way to grow, in any market condition.
    2. Patience: Growth will not happen in a straight line, there will be ups and downs.
    3. Discipline: We need to have the discipline to stick to our plan and not do anything fearful or greedy during times of turmoil. When discipline fails, the plan fails.
  • These core beliefs lead to 3 actions:
    1. Asset Allocation: We will choose a mix of stocks, bonds, alternatives, and cash in a portfolio that balance your need for return and stability. This is a significant determinant of portfolio performance.
    2. Diversification: This means spreading risk and reward within an asset class. In its simplest form, it means never owning enough of one thing to make a killing in it, or to risk getting killed by it.
    3. Rebalance: This means taking the portfolio back to its your long-term composition at regular intervals. This helps ensure your portfolio remains compatible with your goals and risk tolerance. 

Our firm specializes in helping individuals and families develop sound retirement plans. If you are retired – or approaching retirement – please take the time to explore our website and the wealth of information we offer.  We offer customized, hands-on service.  We educate our clients about financial concepts and strategies, taking the mystery out of investing, insurance, estate conservation, and preserving wealth.  We understand the many challenges of retirement today and know the biggest concern for many is outliving their money.  Some of the investment management tools we use to facilitate this include:

  • Individual Retirement Accounts (IRA): The majority of our clients invest in at least one type of IRA, either ROTH or Traditional. IRA’s offer some advantages over other accounts.  For starters, they allow us to either defer taxes until retirement with a traditional IRA or pay the taxes now and have tax free growth until retirement.  In addition, your IRA is solely yours, which means you do not have to go through an employer, and you can even roll one of your old retirement plans such as a 401k, 403b or an old IRA into your current IRA.  Finally, IRAs are flexible and easy to set up.  Your investment options are not limited to those provided by your employer, which means we can select the investments that are best for you, not just the ones your employer gives you access to.
  • Employer Retirement Plans: While some of our clients are still working, we help provide education on how best to handle all of their investments, this includes employer retirement plans such as 401ks, Solok, 403b, 457, SEP IRA, SIMPLE IRAs and more.  While IRA’s offer more flexibility, they also have some tradeoffs.  There are strict income limits and contribution limits that change every year, meaning not everyone can get the full benefit from investing in an IRA. Even if they can, there are many benefits an employer retirement plan can give above and beyond an IRA.  These benefits include, matching contributions, higher contribution limits, more lenient income limitations, direct payroll contribution and more.  If you own your own business, there are opportunities to create a retirement plan for your business to ensure you are taken care of.  Ask us about our small business retirement plans.
  • Taxable Accounts: While there are important benefits to tax advantaged accounts, there are also advantages to taxable, non-qualified accounts.  These accounts include, individual investment account, joint investment accounts, trust investment accounts, brokerage accounts, managed accounts and more.  These accounts often lack tax advantaged status but make up for that in a few ways.  There are no upper limits on how much can be invested, meaning our clients can invest as much as they want, when they want.  In addition, there are no early withdraw penalties, as is the case with many of the case with many of the retirement accounts.  Despite being a taxable account, there are strategies to mitigate taxes. This can be done through tax managed funds, municipal bonds, tax loss harvesting and more.
  • Insurance and Annuities: No plan would be complete without discussing risk planning. Some of the tools we use are Long Term Care Insurance, Variable Annuities, Fixed annuities, Disability Income Insurance and Term life insurance.  Everyone’s situation is different, however as a general rule, we like to advise our clients to insure against disaster and have an emergency fund to cover the small stuff.  Some disasters that can be covered with insurance include a health event, disability, longevity risk, sequence of return risk and dying too early.  We discuss with our clients which of these they are able to self-insure, and which risks they would prefer to pay someone else to take.
  • Planning for the next generation: Many of our clients want to leave a legacy. Some of the ways he can help them is by funding a 529 to help their children, or grandchildren attend college, or through a Uniform Gift to Minors Act (UGMA) or Uniform Transfer to Minors Act(UTMA).

There are many resources and account types available for us to use, we strive to help our clients select the right investments and account types for them, and their goals.

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