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Investment Planning

Integrated Investment Planning

When it comes to investing, you have a choice. You can choose options that are predicated on outsourcing, manipulative sales gimmicks, and low accountability or you can choose to take control, to stop wasting time and money, and to work with accountable professionals. The top 10% own 90% of the market because they understand how it works. We help you build and manage an investment program designed to support your financial planning, with special focus on building and preserving your family’s wealth.

Aligning to Purpose and Priorities

01

Your accounts will require a minimum return (“need”) to achieve your financial priorities. Your stated preference is to achieve your financial priorities while minimizing risk (“want”), even if this means giving up potential excess returns.

02

Annuities are financial contracts that limit potential returns, while promising some sort of risk management. Our concern is that these financial contracts are written by and in a manner to benefit financial institutions and not the client. From a brief initial analysis, your annuities appear expensive and could create a scenario where you never recover your initial investment and any meaningful amount of interest.

03

We need to assess each account on its own merit, with consideration for its features and how they fit within your financial needs.

Risk Management

01

A fixed income strategy should be considered to achieve the goals of the annuities for money that needs principal preservation and/or consistent high-income generation.

02

The target date fund is diversified as a standalone investment, however, your use of it as a singular position leaves you under-diversified which leaves you extremely exposed to market crashes. An equity strategy should be considered that provides diversification and repositions you from being harmed by market volatility to taking advantage of it.

Measuring Real Value

Additional potential range of financial growth by year 2054: up to $1.48million. *Based on a preliminary review of information provided, improving performance by a net 1% per year, and using present value.

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Disclosure

This example is for illustrative purposes only and is based on hypothetical assumptions and limited information. The projections shown are not representative of actual client results and do not guarantee future investment performance or outcomes. Actual results may vary materially based on market conditions, tax laws, inflation, investment performance, and individual circumstances.