Retirement-Centric Investment Management
For many clients, their investment portfolio is the engine that will carry them through retirement, and because of this, investment management is a critical part of the retirement planning puzzle…and the investment landscape is more complicated than it’s ever been. Mutual fund research company Morningstar lists over 27,000 mutual funds and over 2,000 Exchange Traded Funds (ETFs).
More importantly, your investment portfolio doesn’t exist in a vacuum; it exists in the context of your personal financial situation. So, the selection of an investment strategy, your overall portfolio allocation, and the level of diversification all impact not just your investment outcome, but your retirement outcome. The investment approach you select and how you implement that approach matters!
We use an approach that relies not on speculation about what might happen next month or next year, but on evidence-based research and the best thinking from leading academic institutions like the University of Chicago and many of its Nobel Prize-winning economists. We help cut through the investment confusion to construct a strategy to help maximize your likelihood for a comfortable retirement.
Here are some of the investment and portfolio questions we can help you answer in the context of your specific situation.
- Is my investment strategy the right one for my situation?
- Should I be active or passive in my investment approach (and what does that even mean)?
- I’ve heard about index funds and Exchange Traded Funds (ETFs). Should I be using these instead of my current investments?
- I have an annuity, and I’ve heard they are very bad investments. Is this true and if so, what are my options?
- I’m pretty conservative, but I don’t know if my portfolio is too conservative or not conservative enough. How should I approach this?
- I have a large holding in one stock. Should I diversify out of this position? And is there any way to mitigate the tax costs of doing so?
- How should I change my portfolio as I approach or move into retirement?
- Are my retirement investments earning a return that will allow me to retire when I want to?
- I have a 401(k) with my present employer and am still working but don’t understand all of the options and how should I invest within it. Can you help?
- I’m retired and need income, but should I really keep all my assets in investments that produce an income but that don’t have much opportunity for growth?
- What’s the best order to withdraw from my investment funds once I do retire?
- I’ve left my old company and have a 401(k). Should I leave it there or roll it over to an IRA?
- I have accounts in several different places and it’s hard to keep track of them all. Is there a way to simplify and/or consolidate so I’m getting just one statement a month?
- I can’t tell from my current statement(s) whether I’m making or losing money, and if so, how much. Can I get real performance reporting that I can understand?
- Are there hidden costs in my current investments that I don’t know about?
- I’m not sure my current advisor is a fiduciary and acting in my best interest? How can I be sure?
- Am I paying more in taxes than I need to on my investment portfolio?
- Is there a way to reduce the taxes I pay as I withdraw funds from my portfolio?
- What is tax-loss harvesting and should I be using this strategy?
- Should I have some of my specific investments in a retirement account and others in a non-retirement account for tax purposes? Does it even matter?
- Would it make sense to convert any of my retirement accounts to a Roth?
Click here for a much more extensive discussion of what really matters in investment management.