Invest with a Purpose
I believe that most financial decisions you make are linked to retirement. From paying a mortgage instead of renting to saving for your kids’ college education, each dollar saved up for these purposes is a dollar you don’t have saved for retirement. It’s also a dollar you won’t have to spend when your retirement days come.
Many people, including myself, wonder if they will ever want to retire. They like what they do, are flexible, and have a job that is not too physically demanding. So, why plan for retirement? My answer: Wouldn’t it be nice to have a plan in place so you know that starting that day, you work only because you want to – not because you need to?
When Social Security was created, many people passed away shortly after retiring. Post World War II, as people began enjoying retirement for longer periods of time, demographics and a booming economy allowed for Social Security income and pensions to answer the needs of retirees.
Today, shortfalls in Social Security, the disappearance of company pensions, longer life expectancies, and a rising cost of living compel us to assume more and more responsibility for our retirement goals.
You have to save.
Fine.
You have to invest.
Okay.
You have to find a way for your portfolio to generate income.
Uh …
You have to make sure you never outlive your money.
Wait!
That’s where I help.
Assuming these retirement responsibilities on your own can be quite a task. I can help you coordinate and manage your Social Security benefits, Medicare costs, 401(k) plan(s), brokerage accounts, pensions, inheritance, tax liabilities resulting from future required minimum distributions (RMDs), and more.
Many people, including myself, wonder if they will ever want to retire. They like what they do, are flexible, and have a job that is not too physically demanding. So, why plan for retirement? My answer: Wouldn’t it be nice to have a plan in place so you know that starting that day, you work only because you want to – not because you need to?
When Social Security was created, many people passed away shortly after retiring. Post World War II, as people began enjoying retirement for longer periods of time, demographics and a booming economy allowed for Social Security income and pensions to answer the needs of retirees.
Today, shortfalls in Social Security, the disappearance of company pensions, longer life expectancies, and a rising cost of living compel us to assume more and more responsibility for our retirement goals.
You have to save.
Fine.
You have to invest.
Okay.
You have to find a way for your portfolio to generate income.
Uh …
You have to make sure you never outlive your money.
Wait!
That’s where I help.
Assuming these retirement responsibilities on your own can be quite a task. I can help you coordinate and manage your Social Security benefits, Medicare costs, 401(k) plan(s), brokerage accounts, pensions, inheritance, tax liabilities resulting from future required minimum distributions (RMDs), and more.
There is no such thing as “one size fits all” in my practice. Many factors come into consideration when deciding which approach suits your unique needs, and this is the approach we will use.
My job is to understand what you need, what investment style suits you, and help you select the investments that best align with your goals. Knowledge of investment options and current market data is completely useless if it doesn’t fit the investors’ needs and personality. Everyone has their own level of understanding investments, emotional attachment to money, and appetite for risk.
The best time to start planning for retirement was yesterday. Second best is today. The worst is tomorrow.
It is never too early to start planning for retirement, but the longer you wait, the harder it is to catch up. From my experience, the biggest impact on somebody’s financial life is when they are five to ten years away from retirement. Often, they have already accumulated significant assets to work with and have enough time left to make the adjustments that are needed. After that, my abilities to make a real difference start diminishing.
Many of my clients are decades away from retirement, so much of my planning tends to be more hypothetical. As life events happen (marriage, birth, job transition), I will develop investment strategies designed to help generate wealth so we can more clearly anticipate what their retired life will be like.
For this reason, I do not have a minimum amount of assets requirement. I want to work with you to help you get where you want to go.
It is never too early to start planning for retirement, but the longer you wait, the harder it is to catch up. From my experience, the biggest impact on somebody’s financial life is when they are five to ten years away from retirement. Often, they have already accumulated significant assets to work with and have enough time left to make the adjustments that are needed. After that, my abilities to make a real difference start diminishing.
Many of my clients are decades away from retirement, so much of my planning tends to be more hypothetical. As life events happen (marriage, birth, job transition), I will develop investment strategies designed to help generate wealth so we can more clearly anticipate what their retired life will be like.
For this reason, I do not have a minimum amount of assets requirement. I want to work with you to help you get where you want to go.