Nationwide Financial

JANUARY 25, 2023

Last year’s considerable losses and market fluctuations underscore the need for clients to assess their retirement plans to ensure it aligns with their objectives, financial situations, timelines, and attitudes toward market volatility. Here are some key points to use with clients as you help them assess their retirement plans.

Risk Tolerance 102

Risk Tolerance Retirement Planning Asset Allocation Retirement 102

Advisor Perspectives

NOVEMBER 11, 2022

Offer more ways clients may achieve their retirement plan goals while helping address the diverse investment needs of participants. Learn about our industry-leading investments and expertise—featuring more default options and more personalized asset allocation.

Clients 52

Clients Asset Allocation Planning Retirement Planning 52

The Chicago Financial Planner

JUNE 13, 2022

Assuming that you have a financial plan with an investment strategy in place there is really nothing to do at this point. Ideally you’ve been rebalancing your portfolio along the way and your asset allocation is largely in line with your plan and your risk tolerance. Do nothing. Focus on risk. Look for bargains.

Risk Tolerance 188

Risk Tolerance Marketing Marketing Financial Planner 188

Talon Wealth

OCTOBER 26, 2023

Of course, one of the most important aspects of retirement planning is managing retirement taxes. Taxes can significantly impact the amount of money you’ll have for retirement. As such, you must be aware of any tax implications arising from your investments during your working years.

Retirement 52

Retirement Taxes Retirement Planning Risk Tolerance 52

Fortune Financial

SEPTEMBER 29, 2022

In our planning with clients, we like to employ a “pay yourself first” approach, especially as it relates to retirement planning. You may have been contemplating starting contributions to a retirement plan, or you may have been contributing small amounts and are worried that you are behind in the game.

Retirement 52

Retirement Portfolio Retirement Planning Investing 52

Talon Wealth

AUGUST 26, 2023

Of course, one of the most important aspects of retirement planning is managing retirement taxes. Taxes can significantly impact the amount of money you’ll have for retirement. As such, you must be aware of any tax implications arising from your investments during your working years.

Retirement 52

Retirement Taxes Retirement Planning Risk Tolerance 52

Nationwide Financial

DECEMBER 7, 2022

Many near-retirees see their highest portfolio values just before retirement. Due to shorter investment horizons, these investors have less time to recover from portfolio losses. How should investors respond after this year’s cycle of market volatility has diminished investment returns?

Retirement 52

Retirement Asset Allocation Marketing Marketing 52

WiserAdvisor

DECEMBER 15, 2023

Consider consulting with a professional financial advisor who can help you understand and employ suitable retirement investment strategies based on your income, age, and retirement expectations. This article explores different ways in which financial advisors can help you with wealth accumulation for retirement.

Financial Advisor 59

Financial Advisor Retirement Risk Tolerance Retirement Planning 59

WiserAdvisor

MARCH 19, 2024

You may wonder how the rich keep their money and where they invest for high returns. While the lifestyles of the rich may appear out of reach for many, the strategies they employ to invest their money for high returns are often accessible to anyone willing to follow in their footsteps. How are the wealthy investing their money?

Investing 59

Investing Investments Financial Advisor Taxes 59

Envision Wealth Planning

JUNE 8, 2022

More and more investors are now seeking sustainable investing opportunities, including ESG investments. Once upon a time, sustainable investing meant a strategy that held up against the test of time. These days, sustainable investing focuses on environmental, social, and governance (ESG) factors when selecting investments.

Investing 52

Investing Investments Asset Allocation Financial Advisor 52

Envision Wealth Planning

JUNE 8, 2022

More and more investors are now seeking sustainable investing opportunities, including ESG investments. Once upon a time, sustainable investing meant a strategy that held up against the test of time. These days, sustainable investing focuses on environmental, social, and governance (ESG) factors when selecting investments.

Investing 52

Investing Investments Asset Allocation Financial Advisor 52

Carson Wealth

DECEMBER 1, 2022

CFP ® , Director of Consumer Investment Research. Invest in Yourself and Your Human Capital. Plus, investing in yourself early sets you up for higher lifetime earnings and the potential for building greater lifetime wealth. The earlier you invest in yourself, the earlier you will begin building additional wealth.

Retirement Planning 72

Retirement Planning Risk Tolerance Retirement Budgeting 72

The Chicago Financial Planner

NOVEMBER 8, 2021

If so, this is a good time to revisit your asset allocation and perhaps reduce your overall risk. However, don’t get carried away and let greed guide your investing decisions. Learn from the past . It is said that fear and greed are the two main drivers of the stock market. Maybe they’re right.

Retirement 130

Retirement Marketing Marketing Financial Planner 130

International College of Financial Planning

JULY 30, 2022

Earning the CFP designation requires a rigorous course of study covering investment planning, income taxation, retirement planning and risk management. A Person who completes the CFP course is qualified to provide financial planning services to those with a high degree of financial responsibility.

Certified Financial Planner 52

Certified Financial Planner Financial Planner Assets CFP 52

WiserAdvisor

DECEMBER 13, 2023

The answer lies in smart and strategic retirement planning. Gone are the days when retiring at 60 was a one-size-fits-all goal. It’s time to rethink when to start stashing away those savings and how to modify your plan in a world that’s constantly changing. So, how do we tackle this?

Retirement 45

Retirement Risk Tolerance Retirement Planning Taxes 45

Carson Wealth

APRIL 25, 2024

Investment strategy: Determine asset allocation and investment vehicles aligned with risk tolerance and financial goals. Retirement planning: Calculate retirement needs and contribute regularly to retirement accounts.

Financial Planning 97

Financial Planning Planning Retirement Insurance Coverage 97

WiserAdvisor

SEPTEMBER 6, 2023

Consult with a professional financial advisor who can help create a balanced strategy toward retirement planning and portfolio reviewing, ensuring both financial stability and peace of mind on your journey toward retirement. This can help you establish a strong foundation and craft your investment strategy.

Accounting 52

Accounting Retirement Asset Allocation Retirement Planning 52

Random Roger's Retirement Planning

DECEMBER 30, 2023

If all you use is a broad index fund then it will either be a good year or not so good, but assuming the proper asset allocation, who cares? That's enough to get it done assuming an adequate savings rate, appropriate asset allocation and no panicking. That mindset eliminates the fear.

Asset Allocation 58

Asset Allocation Assets Taxes Investing 58

WiserAdvisor

FEBRUARY 29, 2024

Navigating the complex world of personal finance, especially with retirement looming on the horizon, can be daunting. With numerous investment options, fluctuating markets, and evolving financial goals, it is easy to feel overwhelmed. Working with a financial advisor can significantly enhance your chances of retiring with more wealth.

Financial Advisor 59

Financial Advisor Retirement Asset Allocation Risk Tolerance 59

Random Roger's Retirement Planning

MARCH 30, 2024

Circling back to model ETF portfolio mentioned at the top of this post, the asset allocation was as follows. US Equity 56% Trend Following/Tactical 38% Emerging Market Equity 5% Cash 1% I don't know often that changes but that there is not a permanent allocation to fixed income is of course intriguing to me.

Asset Allocation 75

Asset Allocation Portfolio Assets Management 75

Trade Brains

DECEMBER 7, 2023

From budgeting basics to investments, these courses offer a comprehensive foundation for managing your money in a better way. Personal Finance for Beginners by FinGrad FinGrad Academy is an educational platform that offers various courses on financial products for better investment opportunities. You can enroll in the course here.

Budgeting 59

Budgeting Certification Education Asset Allocation 59

Fortune Financial

SEPTEMBER 25, 2023

Whether planning for retirement, saving for your children’s education or simply looking to grow your investments, finding the right wealth management services in Kansas City can make all the difference. Long-term goals typically encompass retirement planning, wealth preservation and estate planning.

Wealth Management 59

Wealth Management Management Risk Tolerance Retirement Planning 59

Yardley Wealth Management

JULY 20, 2022

James and Pamela’s Big Dream Excerpt from The Smart Person’s Guide to Financial Planning & Investments: A Simple and Straightforward Approach to Understanding Your Personal Finances By Michael J. Their retirement plan is strong, their kids are independent, and they are debt-free.

Retirement Planning 52

Retirement Planning Budgeting Retirement Wealth Management 52

Random Roger's Retirement Planning

MAY 24, 2024

Barron's had an interesting article about a BofA study showing that over a period of many decades an asset allocation of 60% equities/40% commodities outperformed an allocation of 60% equities/40% fixed income by 0.80% per year.

Asset Allocation 85

Asset Allocation Risk Management Taxes Portfolio 85

Good Financial Cents

MAY 1, 2023

The contributions made to the account may be tax-deductible or non-deductible, depending on the individual’s income level and participation in an employer-sponsored retirement plan. The custodians are responsible for maintaining the accounts, processing contributions and withdrawals, and providing investment options.

Risk Tolerance 95

Risk Tolerance Taxes Retirement Retirement Planning 95

Darrow Wealth Management

JANUARY 30, 2023

just upended retirement planning…again. The age when retirees must begin drawing from non-Roth retirement accounts increases to 73 in 2023, then 75 in 2033. Raising the age when withdrawals must begin is great as it gives investors more planning opportunities. Remaining funds can be invested in a brokerage account.

Distribution 81

Distribution Tax Planning Retirement Taxes 81

Investing Caffeine

MAY 3, 2023

Rather than constantly scrolling through headlines on your mobile phone news app, here are some areas of focus and questions you should be asking yourself: · Investment Strategy: What type of investment strategy should you be utilizing to reach your retirement goals? Diversification: How diversified are your investments?

Retirement 59

Retirement Retirement Planning Financial Advisor Planning 59

Random Roger's Retirement Planning

NOVEMBER 12, 2023

The Wall Street Journal took what might be a sympathetic approach to 401k investors who might be feeling disillusioned by generally poor performance with the focus being on target date funds which have of course become a major staple of 401k plans. First, it's your retirement, how do you not care enough to engage just a little?

Retirement 73

Retirement Asset Allocation Retirement Planning Portfolio 73

WiserAdvisor

JANUARY 31, 2023

Long-term investment strategies are essential because they provide a less stressful way for individuals to achieve their financial goals. These strategies involve investing money in assets for a minimum of five years and more. Compound interest is the interest earned on both the initial investment and any accumulated interest.

Investing 52

Investing Investments Taxes Retirement 52

Fortune Financial

SEPTEMBER 25, 2023

Whether planning for retirement, saving for your children’s education or simply looking to grow your investments, finding the right wealth management services in Kansas City can make all the difference. Long-term goals typically encompass retirement planning, wealth preservation and estate planning.

Wealth Management 52

Wealth Management Management Risk Tolerance Retirement Planning 52

Discipline Funds

NOVEMBER 17, 2023

I hate to sound like a skeptic about this, but my guess is that the reason many investment firms promote the 10%+ figure is because they are either ignorant of these facts or, more likely, they want to frame returns as being high because their fees are high. And that’s important because we don’t live in a nominal world.

Financial Planner 108

Financial Planner Budgeting Taxes Asset Allocation 108

Random Roger's Retirement Planning

JUNE 10, 2024

According to the article, the only "asset allocation" fund to outperform the S&P 500 over the last 15 years has been the PIMCO StocksPLUS Long Duration Fund (PSLDX) which ironically enough is a leveraged fund tracking 100% each to stocks and long term bonds.

Retirement 88

Retirement Asset Allocation Math Marketing 88

SEI

AUGUST 2, 2022

Investments and economy. OCIO/Investment outsourcing. Retirement plan sponsors. In the midst of stressful times, our investment strategy is put to the test. Investment education is critical. Our team of 100 + investments professionals are focused on understanding market cycles. Institutional (US).

Nonprofit 52

Nonprofit Marketing Marketing Risk Management 52

Random Roger's Retirement Planning

MAY 10, 2024

FIG is not intended to negatively correlate to markets, they want it to be "a modern take on the balanced portfolio, built to help navigate today’s toughest asset allocation challenges." They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation.

Asset Allocation 77

Asset Allocation Financial Planning Portfolio Planning 77

WiserAdvisor

SEPTEMBER 8, 2022

Investing your money involves a number of strategies and instruments. The ideal investment term for each instrument also differs. So, the decision to pick an option can depend on the investment term and whether or not it aligns with your financial goals. This is why it always contains an element of risk. What is portfolio risk?

Risk Management 52

Risk Management Portfolio Management Asset Allocation 52

Random Roger's Retirement Planning

AUGUST 29, 2022

RPAR takes some leverage to build its asset allocation but not a ton. How does it help an investor do something.like maybe manage volatility or diversify away from 60/40? Here is RPAR pretty much since inception versus VBAIX which is a proxy for a 60/40 portfolio. This really surprised me. This is from the literature.

Investing 59

Investing Investments Asset Allocation Portfolio 59

Random Roger's Retirement Planning

JUNE 4, 2024

Per an email from Unlimited the fund is trying to offer "core, liquid, uncorrelated ballast within overall asset allocation." They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation. It's only been trading since late 2022.

Asset Allocation 65

Asset Allocation Advertising Portfolio Management 65