RightCapital Launches Integrated Risk Tolerance Tool
Wealth Management
MAY 7, 2024
The planning provider has seen significant demand from advisors, contributing to the rollout of RightRisk.
How to Determine Your Client’s Risk Tolerance
BlueMind
SEPTEMBER 3, 2022
Category: Clients Risk. Determining the client’s risk tolerance is not an exact science and requires you to communicate with your client. What Does The Word “Risk” Mean For Your Clients? For some clients, “risk” maybe something exciting or daring that they enjoy and not something they generally avert from.
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How to Determine Your Investment Risk Tolerance Level
WiserAdvisor
MAY 26, 2023
It is essential to choose investments that match your risk appetite to avoid unnecessary stress and surprises later. A financial advisor can help you understand your investment risk tolerance. This article will focus on the risks of investing, how they impact you, and what you can do to determine your risk appetite.
Your Retirement Planning Starter Pack
Carson Wealth
MARCH 7, 2024
By Jake Anderson, CFP ® , Wealth Planner When helping clients begin retirement planning, the same questions often arise: What should my retirement plan look like? Your lifestyle, goals, family situation, and risk tolerance will give a unique signature to your retirement plan. How much should I be saving?
5 Questions Using Risk Assessment Data That Help Advisors Understand Clients’ True Concerns About Risk
Nerd's Eye View
MAY 8, 2024
Over the years, 2 types of measurement tools have emerged as the standards for assessing risk tolerance: 1) psychometric tests, which feature a series of questions (such as, "What amount of risk do you feel you have taken with past financial decisions?") Read More.
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Inflation Is A Risk In Retirement, But Most Planning Technology Doesn’t Treat It That Way
Nerd's Eye View
SEPTEMBER 20, 2023
30 years ago, when financial plans relied mainly on constant investment return projections derived from straight-line appreciation and time-value of money calculations, financial advisors began acknowledging and accounting for the variable and uncertain nature of investment returns. Read More.
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4 Pitfalls of Not Having a Financial Plan
Carson Wealth
APRIL 25, 2024
There are some things in life you just can’t plan for: an unexpected illness, job loss, death of spouse, disability. And while experiencing one of these major events can drastically impact your life, having an effective financial plan can help ensure that it doesn’t ruin your financial well-being. Let’s break each one down.
The Latest In Financial #AdvisorTech (June 2023)
Nerd's Eye View
JUNE 5, 2023
This month's edition kicks off with the news that Riskalyze has completed its previously-announced rebranding, and will now be known as “Nitrogen”, a ”growth platform” for advisory firms – which represents less of a shift in the platform’s core function (given that Riskalyze’s risk tolerance tool was always (..)
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Unlocking Accessible Financial Advice The Garrett Planning Network Advantage
MainStreet Financial Planning
FEBRUARY 1, 2024
During recent conversations, I’ve come across several people unfamiliar with the concept of fee-only financial planning, let alone considering it as a feasible choice. To shed light on this, I want to articulate the distinctive approach we use at MainStreet Financial Planning.
Personal finance links: peaks and valleys
Abnormal Returns
JULY 12, 2023
physicianonfire.com) Estate planning A look at some advanced estate planning techniques. morningstar.com) On average, people overestimate their risk tolerance. (savantwealth.com) A real-life example of balancing differing wants in retirement. marketwatch.com) How to have a purpose as a retiree.
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How Sequence-Of-Inflation Risk Impacts Retirees Beyond Just Sequences Of Returns
Nerd's Eye View
SEPTEMBER 20, 2023
30 years ago, when financial plans relied mainly on constant investment return projections derived from straight-line appreciation and time-value of money calculations, financial advisors began acknowledging and accounting for the variable and uncertain nature of investment returns. Read More.
Weekend Reading For Financial Planners (June 3-4)
Nerd's Eye View
JUNE 2, 2023
Also in industry news this week: How Goldman Sachs’ RIA custodial platform is leveraging the resources of its parent company as it seeks to build momentum amidst a highly competitive environment among custodians How NASAA has changed the substance and/or scoring of the Series 63, 65, and 66 exams From there, we have several articles on college (..)
How to Plan Around Inflation
Integrity Financial Planning
JUNE 29, 2022
Does your plan properly account for inflation, now and in the future? Let’s talk about the things you need to be thinking about right now in your financial plan. What is the inflation rate that Brian factors into financial plans? What is the inflation rate that Brian factors into financial plans?
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Adviser links: fee increases
Abnormal Returns
DECEMBER 26, 2022
morningstar.com) Ryan Detrick and Sonu Varghese talk with Phil Pearlman about the connection between health and wealth planning. thinkadvisor.com) Being able to move unused 529 plan funds into an IRA is a neat trick. mikemelissinos.substack.com) On the difference between risk tolerance and risk perception.
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The 5 Pillars of Retirement Planning You Should Be Aware of
WiserAdvisor
MARCH 13, 2024
Achieving financial freedom in retirement requires meticulous planning, dedicated effort, and strategic management. Without a solid plan, you risk drifting without direction. Within this framework, the concept of the five pillars of retirement planning emerges as a valuable strategy.
Five Things to do During a Stock Market Correction
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. Focus on risk. Do nothing. Look for bargains.
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Financial Planning Opportunities in a Volatile Market
eMoney Advisor
MARCH 21, 2023
Historically, staying the course and following a financial plan has outperformed rash investment decisions when there are times of uncertainty in the financial market. But it takes a strong plan—and no small amount of willpower—to do this.
A good time for a risk check-up
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.
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Accelerating Firm Growth With A Niche: How I Built A $48M AUM Advisory Firm In 3 Years
Nerd's Eye View
MAY 29, 2023
His next step was to systematize his planning process to help him work more efficiently as a solo firm owner. He also built redundancies into his planning process (e.g., And because nuclear power is a process-driven industry, the use of standard workflows was familiar ground for many of his prospective clients. Read More.
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Estate Planning Strategy: Leveraging CFP® Certification Expertise
International College of Financial Planning
OCTOBER 26, 2023
The Imperative of Estate Planning: Not Just for the Affluent Often, there’s a prevailing misconception that estate planning is a luxury reserved for the wealthy elite. Real estate planning is a crucial undertaking that every adult and family should prioritize. This notion couldn’t be further from the truth.
An Investment Guide for IRAs
Integrity Financial Planning
JUNE 7, 2023
1] What are Your Investment Goals and Risk Tolerance When selecting investments for your IRA, consider your investment goals and risk tolerance. If you are younger, you may be able to take more risks because you have a longer time horizon to earn back potential gains and receive more income in the future.
The Battle of Advice: ChatGPT vs. a Financial Advisor on Retirement Planning
WiserAdvisor
JULY 27, 2023
This advanced language processing technology has also greatly impacted the financial advisory sector, prompting a critical question: Can ChatGPT replace human financial advisors in retirement planning? Personalized guidance, empathy, and a deep contextual understanding are integral to effective retirement planning.
How to Determine Your Client’s Risk Capacity
BlueMind
SEPTEMBER 11, 2022
However, it should be well understood that a client’s financial profile includes their risk tolerance and their risk capacity. In this article, although we will be focusing on the latter one and why it is significant to determine your client’s risk capacity let’s first understand the difference between the two.
Do racial barriers prevent Black and Hispanic households from pursuing financial advice?
Alpha Architect
JANUARY 2, 2024
This article seeks to examine what research says about the interplay between risk tolerance, financial literacy, and trust and their collective impact on the pursuit of financial advice by Black and Hispanic households. Do racial barriers prevent Black and Hispanic households from pursuing financial advice?
The Intel Pension Plan: Everything You Need to Know
Cordant Wealth Partners
DECEMBER 11, 2022
Today we are going to tell you everything you need to know about the Intel Minimum Pension Plan (MPP). We’ll cover: How the Intel pension plan works. The basic idea of a pension plan is fairly straightforward. Intel’s pension plan is a minimum benefit pension plan. How Pensions Work.
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Do You Still Need A Financial Advisor After You Retire?
WiserAdvisor
AUGUST 31, 2023
They can assess your financial situation, long-term goals, risk tolerance, and investment preferences to create personalized strategies. They can also help you optimize your savings and investment plans, ensuring that you maximize your earning potential while minimizing risks. But their support does not end there.
A Pep Talk for Financial Advisors on Investing in a Declining Market
XY Planning Network
NOVEMBER 27, 2023
The beauty of our approach—building investment strategies based on academic research and rebalancing back to the target risk tolerance as markets move—is that we can find comfort in these times by revisiting the core tenets of our belief systems.
How much do I need to retire? Planning for Your Unique Retirement Needs
Carson Wealth
AUGUST 25, 2022
Among these are your longevity, lifestyle, comfort with market performance, sequence of return risk, current health, housing plan, proportion of fixed to variable expenses, proximity to children and so much more. often fail to consider sequence of return, housing, longevity, health or family risks faced in retirement.
How to Talk About Risk Management With Your Clients
BlueMind
OCTOBER 25, 2022
Category: Clients Risk. When it comes to their investment portfolios many tend to have a low-risk tolerance and with the unsettling economic situation with the ongoing pandemic, the word “risk” has become even more of a fearsome word for clients. How do you plan to approach such a client?
Asset Allocation
MainStreet Financial Planning
AUGUST 16, 2022
There are many steps in building an investment portfolio, in this article, I’ll discuss how asset allocation and risk tolerance are important considerations when investing. The appropriate mix or recipe in these various categories varies given your age, risk tolerance, and timeline to retirement or spending.
How Certified Financial Planners Can Leverage Digital Platforms?
International College of Financial Planning
OCTOBER 17, 2023
The Rise of Financial Planning Software In financial services, staying updated in real-time has become crucial. Financial planning software offers CFPs the advantage of tracking market trends, analyzing data, and making informed decisions. Risk Tolerance and Goal-Oriented Strategies Every individual’s financial journey is unique.
How to Choose the Right Wealth Management Firm in Kansas City
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.
10 Easy Financial Planning Steps for Beginners
James Hendries
OCTOBER 21, 2022
If you’ve never engaged in financial planning and are unsure how to get started, this article is for you. A financial plan starts by evaluating your current financial situation and future expectations and can be created independently or with the help of a financial professional. Ready to get started on your financial plan?
Financial Planning for Young Professionals: Tips and Strategies for a Secure Financial Future
International College of Financial Planning
MAY 1, 2023
Financial planning is an important aspect of life that is often overlooked, especially by young professionals starting their careers. Proper financial planning can make a significant difference in achieving financial goals, building wealth, and ensuring long-term financial stability. Devising strategies to attain them.
How An Analysis Of Your Financial Past Can Impact Your Future Financial Planning
WiserAdvisor
OCTOBER 20, 2023
You may consult with a professional financial advisor to better understand your financial history and the ensuing impact your past choices may have on your future financial planning. They provide an opportunity to make necessary adjustments, whether it’s reallocating investments, revisiting saving rates, or redefining retirement plans.
What’s a Fiduciary & Fee-Only Advisor?
Yardley Wealth Management
MAY 30, 2023
A Guide for Financial Planning When it comes to managing your finances, it’s crucial to work with a professional who puts your interests first. As a result, this plan can help guide your financial decisions and ensure that you’re on track to achieve your goals. The post What’s a Fiduciary & Fee-Only Advisor?
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How to Choose the Right Wealth Management Firm in Kansas City
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.
Making the Most of Your Employee Stock Plans
Bell Investment Advisors
DECEMBER 13, 2022
If your employment compensation includes employee stock plans, this is quite the stroke of luck. The rewards you reap can vary greatly depending on how well you manage your plans. Step one, then, is to determine which plan or plans you have, and understand the unique features of each. Restricted Stock Units (RSUs.)
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Financial Planning for Entrepreneurs
WiserAdvisor
JULY 1, 2022
That said, entrepreneurship can sometimes be cumbersome in spirit, especially in terms of financial planning. Moreover, the Covid-19 pandemic also completely disrupted business across the globe, negating all rules of wealth and financial planning. Why is financial planning important for entrepreneurs?
End of Year Financial Checkup
MainStreet Financial Planning
DECEMBER 20, 2023
One area that often gets overlooked in the midst of planning is reviewing your financial habits and goals, so I’ve put together a short list of 3 areas to review before January. If you are unsure if your portfolio aligns with your risk tolerance, time horizon and goals, reach out to us at Mainstreet and we would be happy to help!
[cdata[ This One Big Mistake Could Cost You Early Retirement ]]
oXYGen Financial
AUGUST 14, 2022
[CDATA[ When you last did your projections for retirement through the tools offered from your 401(k) plan or the book your financial advisor put together, are you sure the assumptions that were made were explained to you clearly?
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Financial Wisdom from Coaches
Integrity Financial Planning
DECEMBER 28, 2022
You may have heard of a donor-advised fund, but is that really what you should have as a part of your financial plan? Fact or fiction: You probably aren’t as risk-tolerant as you think. (14:34). The post Financial Wisdom from Coaches appeared first on Integrity Financial Planning, Inc.
Grading Your Financial Competency
Integrity Financial Planning
MAY 10, 2023
From gauging your net worth to grasping your risk tolerance, these are fundamental aspects you should be well-versed in. If you don’t know the answers today, working with a financial advisor could help you better understand your situation and then create an integrated plan to help achieve your financial goals.
5 Key Components to the Retirement Bucket Strategy
Integrity Financial Planning
SEPTEMBER 12, 2022
Depending on your income goals and risk tolerance, this bucket can provide you with dividend or interest income that can supplement other forms of retirement income. With the Bucket Strategy, gains from your Risk Bucket assets are withdrawn to your Safe Bucket assets at a rate that fits with your retirement timeline and risk tolerance.
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