Why is Asset Allocation Important to Investing?

Video Transcript:

To keep your investment portfolio on target for financial goals, you want to balance risk and diversify your assets.

That’s the purpose of asset allocation – the process of dividing your portfolio among major categories like cash, stocks and bonds.

Historically, the returns of these three major asset categories have not moved up and down at the same time – so including a mix of these assets in your portfolio can protect against losses.

There is no perfect formula for asset allocation – it differs with each individual depending on their risk tolerance and time horizon.

Risk tolerance is the amount of your investment you’re willing, or able, to lose in exchange for greater possible returns.

Risk tolerance is closely tied to time horizon, or the amount of time you have to invest.

An investor saving to make a down payment on a home in 5 years might choose less risky investments than someone saving for retirement in 20 years. A longer time horizon allows more time to recover from loss.

Asset allocation may be one of the most important investment decisions you make with your portfolio – call us today to learn more.

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Explainer Videos for Financial Services

*Video Transcript*
The medical profession refers to high blood pressure as the silent killer. In investing, the silent killer is INFLATION. The minimum return on any retirement investment must be at least equal to inflation. Here’s why. Suppose your retirement goal is to withdraw $90,000 per year from your IRA. To maintain your purchasing power you must adjust your withdrawal amount for the inflation factor. That means that to get $90,000 per year at an inflation rate of 3%, your withdrawal amount in year 15 would be $140,217. Are you on track to manage inflation during your retirement? To learn more, give us a call today, or visit our website.

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http://www.FAClientMachine.com

How Money Savvy Are You?

Video Transcript:

You don’t have to be a math whiz or know how to pick stocks to become savvy about money. Being savvy about money is more about being engaged, understanding what you want and having a plan designed for your life. And it all starts with your experience with your advisor.

Take this quiz right now to rate your experience with the financial advisor in your life. I’ll read 5 questions, and you write down a score of 1 to 5, with 1 being non-existent, and 5 being absolutely yes. Total the points to determine if you are getting what you need and want from your advisor:

Number one: I understand the purpose for my money and feel totally confident about my progress.

Number two, I am financially organized and know what I have and how it will support me.

Number three, I enjoy meeting with my advisor and am constantly learning more about my money.

Number four, I have a financial plan that is designed around my life and helps me track my progress.

Number five, My financial knowledge has increased measurably since working with my advisor.

If you scored a 25, congratulations! You are fully engaged in planning for your financial life. If you scored less than 25, perhaps it’s time you engaged in a new experience.

Our mission is to help every woman become fully engaged in her financial affairs, understanding the process and enjoying her journey to financial confidence.

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Whiteboard Videos for Financial Advisors

Video Transcript:

A Living Will can also be called an Advance Health Care Directive. It is a legal document instructing what actions should be taken if you are unable to make decisions due to illness or incapacity. Medical intervention can unnecessarily prolong life, pain, expenses and emotional stress for patients and family members. You can reduce this stress by planning well. A living will can be very specific or very general. You can express desires regarding pain relief, antibiotics, hydration, feeding, and the use of ventilators or cardiopulmonary resuscitation. A recent version called a Medical Directive presents various scenarios for you to choose from. The forms and procedures can vary by state and country. Health Care Directives are often combined with a Durable Power of Attorney. Regardless of your current health or finances, it’s important to plan for your long term health care with a Living Will. Give us a call today to find out more.

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Financial Advisor Videos

*Video Transcript*
Did you know that one of the greatest risks to your retirement portfolio can happen in the first years you retire? The timing of when you begin withdrawing money from your investments can dramatically impact your long-term wealth. It’s called sequence-of-return risk, and the danger is very real. When you make regular withdrawals from investments while market returns are down, your portfolio shrinks faster because the investments are worth less. If that happens early in retirement, it’s more difficult to rebuild your assets and get back on track – you could even deplete your portfolio before the good returns show up. But there are ways to protect yourself from negative returns in the early years of your retirement, including reducing risk in your portfolio and modifying spending in down market years. For more information on how to achieve a successful retirement, call or visit our website today.

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Why Should Women Pay Extra Attention in Planning for Retirement?

Video Transcript:

Women often don’t know the details about their investments or retirement finances, leaving that to the man to coordinate.

But now, more than ever, the woman should be involved. Why?

Women live longer than men—on average 9 years longer than their husbands–often after taking care of them for years.

A woman caring for her aging parents or spouse might be kept from the workforce during her highest earning years.

The U.S. Census Bureau puts the average age of widowhood at 59 – potentially leaving the widow to manage their entire retirement.

The divorce rate in the United States is 40 to 50 percent.

That’s why it is crucial that the woman understands what is going on financially, because there is a possibility that her spouse will no longer be around.

Some items that can affect a woman for the rest of her life are:
Her spouse’s Social Security choices, Pension decisions, life insurance policies and plans for the family business if a spouse or business partner becomes disabled, passes away or gets a divorce
Let us help you through research, education and collaborative decision making. Call us today.

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How Do You Create a Simple Retirement Income Plan?

Video Transcript:

A retirement income plan is needed because life changes in retirement. Your retirement plan should account for every year in retirement, even past your life expectancy. For each year, make a list for you and your spouse that include social security income, pensions and annuity income. Also list earnings from investments and working part-time.

List any other fixed and regular income sources. For each year, list your desired gross retirement income need. Be sure to include taxes, the effects of inflation and potential medical expenses. Then for each year, determine the gap or surplus by subtracting expenses from income.

If you see that you have gaps in your retirement plan, give us a call today. We can make sure you have a strategy to help you reach your retirement goals.

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What’s Your Risk Tolerance?

Video Transcript:

Risk tolerance is the level of risk, or market ups and downs, an investor is willing and able to tolerate.

An aggressive investor, one with a high risk tolerance, is willing to risk greater loss to potentially maximize returns, while a conservative investor prefers investments that have a lower risk of negatively impacting the portfolio’s value.

It’s important to understand your own risk tolerance when building an investment portfolio so that you won’t over-react during market swings.

The first step toward gauging your risk tolerance is to outline your financial goals, such as saving for college, a car or a new home.

Then create a timeline for when you’ll need the money – lower-risk investments are best for short-term goals, since there’s little time to recover from loss.

Keep in mind that investments with very low risk will grow more slowly, and could even lose purchasing power due to inflation and taxes.

Also consider your personal comfort level in investing – can you sleep at night with the choices you’ve made in times of market volatility?

To learn more about how risk tolerance affects your investment strategy, please call or visit our website today.

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iBennie Promotion

Video Transcript:

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Oh, frabjous day! Caloon! Callay! Where do I sign up?
On the link found on this page.

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What is an Annuity and How Does It Guarantee Generate Income?

Video Transcript:

What are annuities and how do they work? Annuities are both a savings and an income investment that pays out over a period of time. It’s actually a steam of income that may be designed so that you can’t outlive it. An annuity is a flexible insurance contract that allows retirement savings to grow income tax deferred and then payout to you in a lump sum, income for life, or income for a certain period of time. There are two basic types: Fixed and Variable. The Fixed Annuity earns a set yield and payout set by the contract. The Variable Annuity is invested in stocks and bonds. The growth value and potential income stream will depend on the investment returns and losses could occur. In both annuities the growth is income tax deferred and the contract terms control growth and income. In today’s market there has been a blending in the qualities of these two kinds of annuities to generate the best return for investors. There are a lot of choices and your personal situation needs to be considered. We can help you develop a plan to meet your specific needs towards a comfortable retirement, so please give us a call today.

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JILL ADDISON
Founder, FA Client Machine
Author, 7 Steps to Video Marketing Success
Co-Creator, Turnkey Video System

Digital Marketing Expert.
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JAMES STEWART, CFP®
Co-Creator, Turnkey Video System

Certified Financial Planner ® (30+ years)
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