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Since the 401(k) is typically the biggest retirement asset, it is critical that those funds be invested appropriately. We start by reviewing your plan’s available investment options in the context of your age, need for growth, time horizon and other assets. We then make specific recommendations for the allocation of your 401(k) assets. Next we take a look at where you are in respect to your retirement goals. Many times this begins by helping you define your retirement goals. We then take a look at your current assets, liabilities and ongoing savings. We include your estimated retirement income from social security and any pension plans for which you may be eligible. We make assumptions for asset growth, both before and after retirement, and for inflation. The result of the analysis is a conclusion that you are either on track for your retirement goals or off track. If you are off track, as many are, we can help you understand your options to get back on track. For many of our clients we review and update this analysis annually. For more information on our 401(k) and retirement analysis services, please e-mail us. |
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Although in some special and limited circumstances the use of commission products may be appropriate, our primary asset management business utilizes no-load institutional funds and is exclusively fee-based. Many of our clients prefer this model because it is simple and the fees are never hidden.
The management fees we receive are based on the amount of assets we manage, not sales commissions or transactions. Our engagement may be terminated at any time and we never assess a termination fee. Annual management fees are based on the aggregated balances of all of your accounts and are deducted quarterly in advance. The annual management fee is assessed according to the following schedule: Annual Management Fee Schedule
Minimum account size for new fee-based clients is $250,000. Quarterly reporting, personal reviews, asset allocation and rebalancing, on-going investment management advice, distribution planning and income design are all part of this program. For more information on our fee-based asset management, please e-mail us. |
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A strong, comprehensive financial plan helps you do two things: accumulate wealth and manage risk. The savings and investment portion of your plan will help you accumulate, increase and manage your wealth. The proper use of life insurance and long-term care insurance will help you manage the risks to that wealth. For that reason your financial plan must take into account investments and insurance if you are to be successful in your planning. Life Insurance
As your advisor, it is our job to find and recommend the most appropriate insurance carrier and insurance products. Because we are an independent planning firm, we have the freedom to do just that. Long-Term Care As technology, health care and medicine have improved, the number of years you can expect to spend in retirement has also increased. The increased likelihood that you may spend 20 or 30 years in retirement has increased the need for long-term care insurance. The longer your retirement lasts, the higher the likelihood you will need some long-term care assistance. It is best to consider this form of insurance in your 50’s and 60’s when the premiums are less and your health is likely better than it will be in your 70’s. Long-term care is really ideal for those people nearing retirement who have accumulated significant assets that need to be protected but who are not wealthy enough to indefinitely cover the $50,000 per year cost of the average nursing home. If you are in a situation where long-term care coverage may be appropriate, we will explain the different types of coverage options available, what our recommendations are and why. We will clearly lay out the costs and benefits of this type of insurance coverage in an effort to help you make an educated decision that is right for you. For more information on our insurance planning services, please e-mail us. |
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The costs of a college education have risen dramatically over the last 20 years at a rate much faster than overall inflation. Many families have also come to see a college education as a necessary investment for every child in their family. It is for these two reasons that most families today want and need assistance in planning for their children’s (and grandchildren’s) college education. There are a number of options available for saving and investing money for future education purposes, many with important tax considerations. If you need assistance in this area, we will help you understand the different types of accounts, the amount that you may need to accumulate and how these accounts should be invested. Among the more popular types of education accounts:
For more information on college planning, please e-mail us. Securities offered through Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC. Investment Advisor Representative, Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Cambridge and Rosetta Financial Advisors, Inc. are not affiliated. |
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When people start to seriously consider their retirement plans, many begin to wonder if they are on the right track and doing the right things. For this reason many of our new clients come to us wanting a complete analysis of their retirement planning and an assessment of how they are doing.
We feel that fee-based asset management is preferable for three simple reasons:
Life insurance is a complex but unique tool that will play a different role in your planning depending on your age, family circumstances, income, wealth and estate planning needs.
College Planning
