INVESTMENT

Investing should be easy – it's common to hear just buy low and sell high – but most of us have trouble following that simple advice. There are principles and strategies that may enable you to put together an investment portfolio that reflects your risk tolerance, time horizon, and goals. Understanding these principles and strategies can help you avoid some of the pitfalls that snare some investors.

MONEY MANAGEMENT

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INVESTMENTS
ARE ONLY ONE PIECE OF THE PUZZLE THAT MAKES UP YOUR FINANCIAL PLAN.

Relational Financing Planning

What's the purpose of your investment?  When will you be needing the money? We use goal level management to determine the amount of risk that should be taken in each of your accounts, depending on the answers to the questions above as well as the tax treatment of the accounts. Or maybe you're investing in real estate or in your business. Investing is one part of the financial planning process.

Frequently asked questions about this topic:
How much can I invest but still have enough liquid?

Let's figure out what your cash needs are in the next year or two, as well as what your expenses are that would need to be covered if you didn't have a paycheck coming in.

Do you know anything about socially responsible investing?

Yes! Think about what industries you'd like to steer clear of and what you'd like to include in your portfolio. Specify companies you'd like to screen out to make sure you're progressing toward values-aligned investing.

Should I invest in my Roth 401k or my Pre-tax 401k?

Tax treatment is the answer.  Ideally, you would establish accounts with different types of tax treatments and contribute so you'll enter retirement with various types of tax treatment on the accounts from which you withdraw. Balance the tax advantages now with tax advantages you'll want later on.

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WANT TO LEARN MORE?

SCHEDULE AN INITIAL CONVERSATION WITH ROYA AND TEAM