Why is this so important to get right?
At retirement, your whole financial life essentially collapses down to one binary question: will your money outlive you, or will you outlive your money?
Most people we meet not only don’t know what the answer is, they didn’t know that was the question.
A nonsmoking couple of average retirement age – which is 62 – has a joint life expectancy of thirty years. In English, that means that on average the second person will pass at age 92.
At trendline inflation of three percent, the cost of living goes up almost two and a half times over thirty years.*
Our mission is to help folks make the right kind of plan. It’s a much shorter, less complicated conversation than you might expect. And if you wish, you can speak with an associate today – right now, in fact – without cost or obligation.
I’ll leave you with three more points.
We help people get this right and solve this problem. Everyday. Let us help you.
The first most important thing for both of us is fact finding exercise, which is a complete understanding of your cherished financial goals – what, and who, you’re investing for.
Next, we figure out how much capital you’re going to need to achieve these goals.
The question then becomes: how much are you bringing to the table to fund those goals (how much can you realistically save and invest within your working/saving lifetimes? In essence, this is a budgeting decision).
Then we look at what kinds of investments – which asset classes – have historically been the most likely to produce the returns you need to achieve the goals in the time allotted.
Finally, we create a diversified set of specific investments within those asset classes – a portfolio.
Then it just becomes a matter of helping you stay on track through all the stresses and strains of an investing lifetime; in the long run, that’s the most important thing we can do for you.