Investment Management

When you settle into your career, investing part of your earnings is the best way to prepare for your financial future. The money in your savings account won’t even keep up with inflation, which means your money loses value when you save it. The goal of your investments is to earn a return that multiplies your money without you having to work for it.

Some investments pay dividends and provide an income stream for you. You can choose to reinvest the dividends to multiply your investments. Other assets appreciate in value, which means you’ll receive more money for them than you originally purchased them for when you sell them. Your investment accounts will typically contain a variety of assets to diversify your risk.

How Wealth Building through Investment Works

You can invest your money in a pre-tax retirement account to reduce your taxable income while you invest for your future. You can set up additional investment accounts that provide an income source for you once you have maxed out your retirement accounts. The goal is to set yourself up for success in the future and make sure you can live on your investments when you no longer receive a paycheck.

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Why Investing Is a Necessity

With inflation outpacing the interest rate you can get on your savings and money market accounts, investing is the only way not to lose money. It’s difficult to save up enough cash just from your earnings. The power of compound interest, the overall upward trend of the stock market, and a generous timeline all work toward building a nest egg for you through investing your money.

You can’t rely on Social Security to provide for all your income needs during retirement. And unless your employer offers you a generous pension or defined benefit plan, your retirement income relies on your investments and savings. But you don’t have to do this alone. Our investment management experts can help you select and manage your investments and keep you on track with your goals.

What Is Socially Responsible Investing?

In our capitalist society, you can make a difference by voting with your dollars. You may already take a stance by preferring certain retailers over others. The same philosophy can extend to your investments. Since you’ll be investing a bulk of your income, you get to decide which companies and causes you want to support.

Socially responsible companies meet certain ESG criteria. ESG stands for environmental, social, and governance. For example, socially responsible investments may focus on companies that support their communities or focus on sustainability. This doesn’t mean you’re not investing for profit. Even an ESG-compliant investment must meet your goals and objectives.

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Frequently Asked Questions

Without knowing you and your situation, we can’t tell you which stocks or bonds are best for you. We don’t advise any of our clients to invest in only one type of stock, because that’s extremely risky. In fact, your portfolio may already be unbalanced, favoring an industry or company. Our goal is to put you on the path to a prosperous retirement using a healthy diversification strategy. For specific advice, please call us.

The goal of your investments is to provide a healthy return. With a diversified portfolio, you will have a range of investment returns with different types of assets, and that’s normal. Our investment management services include tracking and analyzing your returns and making recommendations according to those results. One thing you have to remember with investing: it takes time to see results.

While you could have benefitted from starting sooner, it’s not too late to prepare for your future now. We can help you create an investment portfolio that matches your current goals and timelines, even if you’re close to retirement age. Keep in mind, you won’t see the same growth in your portfolio that you would with a longer investment timeframe.

Let Us Help You with Your Investments

Let us help you invest in your financial future. We can perform a portfolio review for you and provide you with recommendations for your investments. Contact us today to schedule an appointment.

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