16100 Swingley Ridge Road
Fill Your Financial Cup
Defined Approach. Customized Strategy.
Our method for determining your needs helps us design a customized plan just for you.
We like to think of our approach to investing as filling your financial cup. Consider for a moment how you fill your cup throughout the day with different types of beverages because they provide different benefits. You might drink coffee in the morning to get going or herbal tea at night to relax. Just as you fill your cup with a variety of drinks that serve your body in different ways, you need to fill your financial cup with different investments that serve different functions for your portfolio and to provide income in retirement.
The right mix of investments depends on your specific financial circumstances and future goals – it’s a customized portfolio tailored just for you – but we want to make sure all our clients are diversified to preserve their assets against too much risk. That’s why we break down your financial cup into three main types of investments.
You need investments that have little risk and are safe, so you can count on them to provide income for essential expenses. Think of these investments as filling your cup with herbal tea – they have a relaxing, calming effect on your portfolio and are meant to preserve the wealth you have, regardless of what goes on in the markets.
In retirement, you’ll use these investments – such as Social Security, pensions, annuities, real estate – to pay for household, transportation, living, medical and health expenses.
When filling your financial cup, we want to make sure you have investments that are lower in volatility and highly liquid that will have more consistent returns so they can provide regular income. Think of this as filling your cup with water – it will sustain and maintain your health.
These investments – which are well-diversified and tactically managed assets – will help provide supplemental income for things like entertainment, dining out, hobbies, travel and gifts.
Without some risk, your wealth may not grow – and with the average life expectancy continuing to rise, you’re likely to enjoy several decades of retirement life. We want to be sure you have enough income to live the lifestyle you imagine. Think of these investments as the coffee of your financial cup – they are designed to get your portfolio going.
We fill your financial cup with investments that have short-term volatility but are designed as long-term growth strategies, so you can enjoy the lifestyle you want in retirement and to pass on the legacy you want to leave. However, unlike most growth strategies, our approach provides a way to preserve what you earn and have risk management in this area, too.
All investing involves risk including loss of principal. No strategy assures success or protects against loss. Past performance is no guarantee of future results. There can be no guarantee that strategies promoted will be successful and no guarantee of positive results. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.