Personal Investment Strategy

PERSONAL INVESTMENT STRATEGY



FINANCIAL SERVICES

Our financial services center around creating a plan for reaching your financial goals – present and future.

You’ve heard the old adage “time is money.” Well, it couldn’t be truer when it comes to investing. Your age helps you dictate how you invest because it depends upon your time horizon. A couple nearing retirement has different investment requirements than a couple with a newborn.

If you’re just starting out, and your main focus is on cash flow, money may be tight but you still need to take advantage of any retirement plan savings programs your employer has to offer—especially if there is a matching component.

If you’re a newlywed and are pursuing the American dream of homeownership, you still need to keep in mind your end goal of having enough money in retirement. Make sure you’re both on the same page on when you spend and when to save and invest. Invest for growth!

If you have a young family, your child’s future is important. Investing for your child’s college education, reviewing your life insurance and updating your beneficiaries in your retirement accounts are all important in this life phase.

If you’re approaching middle-age, life is hectic. You’ve been spending and no doubt accumulating more debt—a bigger house, nicer cars, fancier vacations and purchasing other toys perhaps. The dilemma typically facing people in this phase of life is a need to be saving for college tuition for kids and putting money into a retirement account.

Not having a financial plan is just having a bad plan. It’s tough but it’s time to put youth aside and work with a financial expert to ensure your future and that of your family.

It may feel difficult at this time of your life but with the assistance of an advisor, things like building up your cash reserves, reducing debt, maxing out your employee benefits, creating a retirement plan, saving for college tuition and reviewing your insurance can be simple tasks.

If you’re nearing retirement, it’s time to review you investments. You’ve been accumulating wealth and as you head into your 50’s you should be planning for your retirement. Stocks have been the focus to-date and now it’s time to take a look at fixed incomes, bonds and income-producing vehicles, as well as ramping up 401(k) contributions to get the maximum tax benefit.

At SVA Plumb Financial, our financial advisors take a broad view of your financial picture, including your life stage, sources of income, assets and liabilities, insurance coverage, and family composition. We will work with you to develop the financial plan that’s right for you.

We then take your financial plan and put it in motion with our investment management services as the foundation.

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PERSONAL INVESTMENT STRATEGY PROFESSIONALS

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