Broker Check

Long-Term Saving Strategies

Riskalyze - platform to analyze investment risk, building and implementing investment portfolios.

Our strategic partners, who are investment or registered representatives,  get into detail on how our investments process works and benefits our clients. They will work with us for our client's behalf. 

It is not as simple as just creating a diverse allocation based on past performances, expect to get the results you think or will be satisfied with and try to time the market. There is much more to investing than just choosing the investments. There are thousands and thousands of investments to choose from and we assist our clients in making those selections AFTER we understand the true goal with those investment dollars. For instance, we discover the main purpose of those investment dollars. Where do you have to reach, how much you need to begin with or invest in a systematic basis , what true risk appetite can you handle, how much investment time do you have and what could get in the way.

To answer one of the questions, "Risk Appetite" they use Riskalyze, to have a better understanding of one's risk tolerance of themselves, their investment allocation and what risk tolerance should you be. Riskalyze is a service and tool that allows our clients to align their risk tolerance with their portfolio risk by using a quantified Risk Number. People are amazed how their current portfolios allocation may have too much or too little risk for what they are comfortable with. If that is the case, then emotional investing takes over which may have a negative long term rate of return results in their portfolio.

Must Watch: Riskalyze Video to better understand how this process can assist with keeping you on the path to obtain your goals with minimizing emotional investments everyone is influenced by.

Type of accounts we assist our client with:

Type of IRAs

  • Traditional IRA
  • Roth IRA
  • Spousal IRA
  • Rollover IRA
  • Stretch IRA

Benefits of IRAs

  • Tax-deferred strategies
  • Flexibility to invest in a range of financial products

Type of Annuities

  • Fixed Annuities                                        
  • Deferred Annuities
  • Indexed Annuities
  • Income Annuities
  • Single Premium Immediate Annuity

Benefits of Annuities

  • Tax-deferred growth and compounding within the annuity contract
  • Guaranteed rates of return on investment
  • Guaranteed lifetime payments if you annuitize

Annuities can be a big part of retirement strategy. An annuity is designed to accept and grow funds and then, upon annuitization, pay out a stream of payments to the individual. Withdraws are subject to ordinary income tax and if taken prior to age 59 ½ may be subject to a 10% federal tax penalty.

Affluent to Ultra High-Net-Worth clients

These type1 of clients all have different yet complex needs and unique ambitions and therefore are seeking advice more than ever.  In  20202 we have seen the demand  for advice increase amongst these type of clients.  Therefore, we have aligned ourselves with the necessary resources and partners to provide appropriate solutions these clients seek and need.

  •  Affluent $2 - $5 million
  • Wealth Market $5 - $10 million
  • High-Wealth $10 - $20 million
  • Ultra High Wealth >$20 million

1Source: The Cerulli Report, U.S. Retail Investor Advice Relationships 2021, Exhibit 2.01; data as of 12/31/2020 and The Cerulli Report: U.S. High-Net-Worth and Ultra-High-Net Worth Markets 2020, Exhibit 2.05.                                                                                                                                      2Source: The Cerulli Report: U.S. High-Net-Worth and Ultra-High-Net Worth Markets 2020, Exhibit 1.04.

Topics that HNW clients want to discuss with a qualified professional are:

  • Insurance planning
  • Estate planning
  • Wealth Transfer planning
  • Risk Mitigation planning

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