Investment Planning

So many people want to know what their return on investment will be. You can expect a range, depending on how much risk you want to take, and depending on when you’ll need to tap into the investment. That’s why we require a plan first. With a plan, you’ll have a good idea of what kinds of returns you need for various sources of money. And, if you don’t have to take excessive risk, to meet your goals, you may have peace of mind when the world doesn’t look so good.

Our philosophy is to fit the investments to the Financial Plan. Otherwise, you are just throwing darts blindfolded and you wouldn’t know if you are winning or not. Investment planning can include allocation between stocks and bonds, large and small companies, international companies, bonds, and cash. Investment planning also includes asset location. Meaning, to have an overall diversified portfolio, you may want to consider taxes and time frame to determine various types of accounts which still provide an overall diversified portfolio.