Helping You Get the Most Out of Your Nest Egg

Time Horizon

How long do you have until you need to use the money? If you’re approaching retirement in the next five years, your investment strategy will likely be different than someone who is retiring in 30 years.

The longer you have until you need the money, the more risk you may be able to tolerate because you have time to recover from temporary losses and market volatility. However, if you need the money soon, you may need to embrace a more conservative approach.

Risk Tolerance

Not everyone has the same comfort level with risk and volatility. Perhaps you’re aggressive and are willing to take on more risk if it leads to higher returns. Or maybe you’re the exact opposite - you’re willing to accept less return if it means lower risk and volatility. Many investors fall somewhere in between.

Our job is to find the right balance between risk and return for your tolerance. We want to achieve returns, but not at a risk level that causes stress and anxiety. We find the correct balance and help you implement a strategy that’s right for you.

Tax Needs

Investment strategy and tax strategy often go hand-in-hand. Gains in your investment portfolio can have a direct impact on your tax exposure. Depending on your needs, we may recommend and implement a variety of tax-advantaged strategies, like:

• Tax-Deferred Options
• Potentially Tax-Free Income
• Tax-Management Strategies

If your current investment strategy doesn’t consider tax outcomes, you could have a gap in your planning. Other factors that can influence investment strategy include:

• Income Needs
• Personal & Financial Goals
• Future Purchasing Needs