| RETIREMENT PLANNING
It has been said the financial world has done people a disservice in an advisory and investing capacity because it taught us the primary factor in determining how much risk we should take is our “risk tolerance level”. However, there is another factor that we were never taught. That is, whether or not you are likely to get rewarded for that risk. Let’s face it, sane people do not want to take risk when there is no potential reward.
What kind of risks do you take with your portfolio and what are the potential rewards you are chasing? Are the risks in line with your goals or are you just hoping to get those rewards at any cost? Would realigning some of your portfolio to minimize or eliminate those risks bring you back into line with your real goals.
The markets now are up nearly 100% from the March 2009 low. The best case would be that we approach the record high which would represent another 17-18% gain; worst case is that we give back the 100% gain we just made. Ask yourself this, if you went to a casino and there was a game where, if you win, you win $17-$18, but if you lose, you lose $100, would you play that game? Are things starting to make sense now?
We can help you bring reason back into your retirement plans. In my 28 years in the business, not a single client has lost a single penny to market losses.
In addition, you will never lose the money you make annually.
Plus, we can help you guarantee a lifetime of income you will never outlive...all while maintaining flexibility and liquidity for those "just in case" moments in life.
Imagine that, flexibility, protection of principal plus your annual gains and growth linked to the major market indices.
Call 978-509-2941 or click here to find out how you can bring reason to at least a portion of your retirement plans.
| ESTATE PLANNING
One of the most difficult things to plan for is the day you are no longer here. It is a thought most of us avoid and choose to ignore as long as possible.
However, the inevitable fact is, we all have to face this reality. The big question you need to ask yourself is, what kind of a Legacy do you want to leave behind?
You may think Legacy means simply your money. In reality, your Legacy is far more than the riches you leave behind. Sure, assets are often appreciated by those they are left to but, what is far more important are the memories of you and how these things were left.
I know of no one that wants to leave behind millions and be remembered by family as a miserable curmudgeon!
While we certainly work with you and your accountants to help build the right kind of life insurance and other estate transference tools to facilitate the smooth and tax efficient transfer of your assets to where you want them to be, there is much more to be considered.
Contact us to see how we may be able to help you structure this extremely important part of your life to make sure the LEGACY you leave is the one you intended.
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