Financial Services
The knowledge and insights to uncover opportunities
How do we analyze your Portfolio?
Capture Your Risk Number
It all begins with an idea. Maybe you want to launch a business. Maybe you want to turn a hobby into something more. Or maybe you have a creative project to share with the world. Whatever it is, the way you tell your story online can make all the difference.
Review Your Current Investments
It turns out 4 out of 5 of people have more risk in their portfolios than they previously realized. Next, we will import your current investments to analyze if your current investments are a good fit for your risk tolerance.
Align Your Portfolio
After pinpointing your Risk Number, we’ll craft a portfolio that aligns with your personal preferences and priorities, allowing you to feel comfortable with your expected outcomes. The resulting proposed portfolio will include projections for the potential gains and losses we should expect over time.
Stress Test Investments
Stress tests allows us to illustrate how your proposed portfolio would have fared through various market events over the past 8 years, including the financial crisis and recovery.
Define Your Retirement Goals
We will also review your progress toward your financial goals by building a Retirement Map. When we are finished, you’ll better understand what we can do to increase the probability of success.
Should You Buy an Annuity?
An Annuity is a contract that is purchased from an insurance company. In exchange, the insurance company makes regular payments to the buyer — either immediately or at some date in the future. These payments are usually made monthly. Annuity contract holders can opt to receive payments for the rest of their lives or for a set number of years. In this regard, annuities are very similar to traditional pension plans. The money invested in an annuity grows tax-deferred. When the money is withdrawn, the amount contributed to the annuity will not be taxed, but earnings will be taxed as regular income. There is no contribution limit for an annuity.
There Are Two Main Types of Annuities.
Annuities in Practice
Example 1: Immediate Payout Annuity
It all begins with an idea. Maybe you want to launch a business. Maybe you want to turn a hobby into something more. Or maybe you have a creative project to share with the world. Whatever it is, the way you tell your story online can make all the difference.
Don’t worry about sounding professional. Sound like you. There are over 1.5 billion websites out there, but your story is what’s going to separate this one from the rest. If you read the words back and don’t hear your own voice in your head, that’s a good sign you still have more work to do.
Be clear, be confident and don’t overthink it. The beauty of your story is that it’s going to continue to evolve and your site can evolve with it. Your goal should be to make it feel right for right now. Later will take care of itself. It always does.
Example 2: Deferred Payout Annuity
Rachel is a 60-year-old professional who is looking to retire in 5 years. She has a $250,000 retirement portfolio and is scared of investing all of it in the stock market. She decides to use some of her retirement portfolio to purchase a 5-year, $100,000, deferred fixed annuity with a 3.5% fixed rate of return. After 5 years, her annuity will be valued at $118,768 (assuming annual compounding). Now that she is 65, she can begin drawing about $6,790 per year from her annuity for life. Her annuity, combined with her social security check, provides Rachel guaranteed income regardless of what is happening in the stock market. She uses the remainder of her retirement portfolio that is invested in the stock market to cover any additional expenses and supplement her lifestyle.