DESIGN
- We listen to identify your dreams and goals
- We gather, organize and analyze your financial information
- We make recommendations based upon your needs
GROW
- We agree upon clear objectives and risk expectations
- We monitor your investments and track the progress
- We refine and revise along the way
PROTECT
- We offer investment strategies with downside protection for unpredictable markets
- We offer insurance solutions which are an important foundation to all financial plans
- We assist you with creating a legacy for future generations
- We help protect your family from life’s unexpected challenges
It's easy to feel confident in your investments when the markets are going up and you're making money. But what happens if the market declines? Is there anything we can do? In an actively managed account your money is watched over and has drawdown (market decline) protection. Look at the difference between the gray line, the S&P 500, which goes up and down as the market moves, and the blue line, the tactically managed account, which is pulled out of the market and moved to cash when the market declines. The effect is compounding:
Let's look at it another way. The first graphic below shows $10,000 with 12% annual interest compounding for 44 years; the second shows how much effect a 50% loss has on your investment even if it only happens once every 12 years:
Investing
Investing is just an effective way to save better. It can help with your short-term, mid-term, and long-term goals. Making good saving habits now leads to saving more money. The small seeds you plant will grow bigger the longer you let them grow.
Downside Protection
Life is good when the account balance is going up but we can help protect against the downside too! Actively managed accounts are adjusted continually and can help minimize losses in a down market.
What is a fiduciary?
Fiduciary (n): A relationship where a client trusts another person or entity to act in the best interest of the client at all times.
The word fiduciary applies to any situation in which one person justifiably places confidence in someone else and seeks that person's help or advice in some matter.
Healthcare Costs
Healthcare can be one of the biggest retirement costs!
A survey found since 2005 healthcare costs for a couple has risen 29%. It is important to plan for supplemental heath plans. Also, remember to plan for extended care since about 70% of people who turn 65 will need some type of extended care.
Lifespan
Your retirement years may also be a longer part of your life than anticipated.
67% of today's workers expect to keep working after they retire. However, only 23% of retirees actually remain main working.
Unrealistic Expectations
Perhaps the biggest trap to avoid on your journey is that of unrealistic expectations.
Retirement, like the rest of your life, will be full of changes, challenges, and opportunities. Preparing yourself mentally and financially can help pave a clear path so you can enjoy all the adventures that lie ahead.
Market Volatility
Market volatility is inevitable.
Changing interest rates, global developments, even investor psychology can cause markets to move higher or lower in uncertain times, it can be tempting to react out of fear. However, a balanced portfolio that reflects your goals, risk tolerance and time horizon can help you weather market volatility while still taking advantage of opportunities.
The Insurance Barometer Says:
43% of Americans said their would feel the financial impact of the death of the primary bread winner in 6 months or less, with 29% saying it would only take one month for them to be in financial trouble.
Cost is the reason most Americans give for not owning life insurance, yet 80% of consumers misjudge the price for term life insurance, with Millennials overestimating the cost by 213% and Gen Xers overestimating the cost by 119%.
Why use our firm
- Independent - We offer a multiple-carrier approach, not one-size-fits-all.
- We refuse to outsource - we take ownership of EVERYTHING from enrollment to claims/service in-house. "The buck stops here!"
- An informational approach - absolutely no scare tactics or overselling!
- A complete picture - By taking the time to understand your current benefits, inside and out, we take a customized approach to filling gaps with no overlap of benefits.
