Home page

Investment Management for the Successful Gen X'er

Click on this to go to the explanation of Investment Management for the Successful Gen X'er

Your investment assets have grown to where self-management is challenging, or you have outgrown your current advisor.

Perhaps, your 401(k) has grown to a point where selecting appropriate choices from the 401(k) menu is a bit much. You seek the benefits of objective advice.

GETTING ON TRACK

FIRST

A great starting point is risk tolerance testing along with a review of your investment history and your current investment positions.

SECOND

The asset allocation design process begins with our selection of an appropriate blend of asset categories (e.g. stocks, bonds, alternative strategies), a time tested (since 1991) probability study to test the allocation blend, and then, the investment selection process for both 401(k) choices and non-retirement assets. Our objective advice and asset selection is free from sales commissions and proprietary products.

THIRD

We then monitor your portfolio, re-balance to your target blend when needed, maintain tax sensitivity, and communicate with you during scheduled calls and meetings.

That’s it! Our investment management process is efficient, needs-based, and focused on relieving you of a challenging responsibility in the middle of your busy life.

Retirement Planning for the Successful Gen X'er

Click on this to go to the explanation of Retirement Planning for the Successful Gen X'er

You are funding your 401(k) or similar plan, and also, accumulating savings and investments outside your plans as well. You think about how much will be enough?

You are concerned about the future of Social Security. You may be conflicted about directing dollars toward debt reduction, college funding, or maximizing retirement investing. You also realize that it’s up to you – the days of company sponsored pensions are largely over.

Since we have worked with successful retirees for decades, we know what it takes to get there. We help with preparation, prioritizing objectives, investment discipline, and solid problem solving.

We will provide objective advice on how much to save/invest, the placement (retirement plans vs. tax-sensitive strategies) of future retirement dollars, and eventually, a retirement feasibility study. In short, we’ll help you get there.

Estate Planning for the Successful Gen X'er

Click on this to go to explanation of Estate Planning for the Successful Gen X'er

There are two behaviors that are common to estate planning – procrastination about starting the process and relief when those documents are signed. Procrastination stems from the uncomfortable thoughts of disability and/or death, and the current financial/legal decisions that need to be made. We help with those decisions and coordinate with our clients’ attorneys.

OUR CHECKLIST OF QUESTIONS/DECISIONS INCLUDE:

Who will make financial decisions for you if you can’t? A Power of Attorney for Property is a relatively simple document in which you name people to help you. Who will make your healthcare decisions if you can’t? A Power of Attorney for Health care identifies the powers you assign to someone who will make decisions when you cannot. Wills direct the distribution of property (personal and financial) at death under the direction of a named executor or executrix. Beneficiary designations direct the distributions from retirement plans, life insurance, annuities, IRA’s, etc. Living trusts provide instructions for your care, if living, and distributions of assets at death. Trusts involve naming of trustees to act on your behalf if you are not able.

Our role in the process is to explain the possible solutions that the legal documents provide, the choices you have, and the tax, personal, and financial implications of your choices. We have done this for decades and find it to be incredibly rewarding because of the relief our clients experience, and, also, the benefits to our clients’ families.