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Portfolio Management

How Our Retirement Portfolio Managers Benefit You

A prosperous retirement is entirely within your reach, but you must have a financial plan in place to help you get there. Our retirement portfolio managers are with you every step of the way, managing your investments, assessing risk, reallocating your assets, all the while protecting your principal investment. We even consider the tax implications to maximize your net earnings. Reach out to our team at the EFS Group to pursue your retirement goals. 

<h2><span style="font-weight: 400;" data-mce-style="font-weight: 400;">Managing Your Investment Portfolio</span></h2>

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.

<h2><span style="font-weight: 400;" data-mce-style="font-weight: 400;">Risk Assessments</span></h2>

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. 

<h2><span style="font-weight: 400;" data-mce-style="font-weight: 400;">Asset Allocation</span></h2>

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. 

<span style="font-weight: 400;" data-mce-style="font-weight: 400;">Tax Considerations</span>

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. 

<span style="font-weight: 400;" data-mce-style="font-weight: 400;">Protect Your Principal</span>

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.

FAQs about Retirement Portfolio Management

What Does a Retirement Portfolio Manager Do?

Our retirement portfolio managers can handle every aspect of managing your wealth and creating an income distribution plan that works for you. When you work with our team, we take care of buying and selling assets, balancing your portfolio, evaluating your investments, reducing risk, and creating a tax strategy that saves you money. 

What Are the Benefits of Portfolio Management?

When you work with our experienced portfolio managers, we will keep you on the right track to pursue your goals. We will help you understand your financial situation and set realistic goals. We can help you maximize your retirement income and investment earnings while using your criteria to select the investments that meet your needs. 

How Can I Prepare for a Successful Retirement?

The best thing you can do for a successful retirement is to plan right now. Meet with one of our retirement portfolio managers to discuss your financial situation, your goals, and your timeline. Together, we’ll create a strategy that allows you to retire when you want. 

Work with Our Retirement Portfolio Managers

Don’t wait to reach out to our retirement portfolio managers. You must prioritize your retirement investments to pursue your financial goals, allowing you to enjoy a prosperous retirement lifestyle. Our financial advisors can help you with anything, from investment management to income distribution planning. Call us today to make an appointment.

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