Portfolio Management
Managing Your Investment Portfolio
It takes knowledge, expertise, and time to manage an investment portfolio. When you work with our retirement portfolio manager, you’ll know that your wealth is in the most capable hands. We take care of everything from risk assessments to asset allocations. It starts with choosing the right investment vehicles and funds that align with your financial objectives, allowing you to pursue your financial goals.
Risk Assessments
Every investment carries some level of risk. As you near retirement, we periodically re-assess your risk tolerance and align your portfolio with your objectives. When you retire, we need to consider which assets to liquidate first. We also have to evaluate how taking from your principal will affect the earning potential of your portfolio. When you retire, it makes sense to allocate a greater portion of your portfolio to income-producing assets that carry a lower risk to preserve your wealth.
Asset Allocation
The asset allocation in your retirement portfolio will change over the years. Younger investors will dedicate a larger portion of their assets to growth stocks, whereas someone nearing retirement may favor bonds and cash equivalents. You may also decide to switch to stocks that pay dividends to generate an income for your retirement years. Our retirement portfolio managers can help you allocate the assets inside your portfolio to maximize your retirement earnings and help you build and protect your wealth.
Tax Considerations
You must consider the impact of taxation on your portfolio. With a tax-deferred retirement account, you pay income tax when you receive distributions in retirement. Planning those distributions can help minimize taxes. With a Roth account, you don’t have to pay taxes on your income, but you can’t deduct any contributions toward your retirement during your working years. Our retirement portfolio managers can help you understand how your investment decisions affect your taxes, helping you make the best decision to increase your net income.
Protect Your Principal
We work hard to protect your assets, including your principal investment. When you retire, you may start making withdrawals from the principal to fund your lifestyle. For most people, it’s simply not realistic to only live off the interest and dividends. We’ll help you make strategic decisions about how to liquidate your investments to allow your assets to grow during the retirement years.