What is the value of advice?
A secure retirement – Funding a child or grandchild’s education – Building wealth to pass on to heirs. These are common investment objectives and with good reason. People want to feel confident financially and provide for the ones they love. Just because a goal is common, doesn’t mean the approach should be.
Our job as financial advisors is to understand you and your specific circumstances and to use that knowledge to tailor a plan to help you pursue your financial goals. A tailored plan goes beyond simply choosing investment products. It entails a deep knowledge and appreciation of your objectives, needs, long-term goals, time horizon, risk tolerance, and – most importantly – your personal values.
Accumulation
A saving and investing period that usually runs from your early working years until your late 40s.
Pre-retirement
A time to manage your funds and transition to more conservative investing, usually your 50s and early 60s.
Retirement
The time when you begin your post-work life and live off your investment income.
Legacy
A time to pass down what you’ve learned and acquired to the next generation.