How do you guide me through my risk tolerance during your process?

It can be very difficult for investors to be objective and unemotional when it comes to their money.

For that reason, we believe one of the best ways to determine your risk tolerance is to:

• Plan to stay invested
• Divide and conquer
• Build a plan
• Time-based segmentation

Plan to stay invested

• Trying to time the market is extremely difficult to do. 
• Market lows often result in emotional decision making.
• Investing for the long term while managing volatility can result in a better investment outcome.

Divide and Conquer

• Aligning your investment strategy by goal can help you take different levels of risk based on varying time horizons.
• This can help reinforce your saving habits to ensure you are saving enough to accomplish all of your goals – not just the ones that occur first.

Build a Plan

It may be useful to match dependable income sources with fixed retirement expenses while coordinating other investments with more discretionary expenses.

Time-Based Segmentation

• Aligning your time horizon with an investment approach may help you be more comfortable with maintaining diversified portfolio allocations throughout your accumulation years, as well as throughout your distribution years. Learn more about your Financial Timeline.

• Together, we should review your situation periodically, to ensure that your funds are balanced appropriately throughout your portfolio. Learn more about Our Process.

• Plan for longevity – You may need to plan on the probability of living much longer – potentially 30+ years of retirement, and a portion of your portfolio for growth to maintain your purchasing power over time. How does my spending and inflation impact my financial plan? ^FAQ

How can increasing costs impact my retirement picture?

• These increasing costs are sometimes referred to as inflation.
• Inflation can disproportionately affect retirees due to their spending habits, as well as, the price increases for their necessities.
• The rising cost of healthcare continues to be a concern as we continue to live longer.