Investment Planning

Every properly completed financial plan includes a component about investments.

However, a properly constructed financial plan does not discuss specific product recommendations as that is handled by an investment advisor – not a financial planner.

In order to do a retirement plan to see how long your money will last – and how much after-tax income you can possibly receive – we need to determine a projected rate of return for your plan.

This can only be done once you understand the pros and cons of the different types of investments including; cash, bonds, stocks and real estate.

We need to review your investment experience – as well as your risk tolerance – to determine your proper asset allocation. Only then can we determine reasonable investment projections/returns to use in your retirement planning.

As an example, someone who only invests in cash investments will pay more tax and usually have much lower returns then someone who is willing to diversify like a pension plan would.

For this reason, we need to understand how you will be investing before doing a retirement plan.

Conservative investors who invest only in cash investments, tend to have a much lower projected portfolio returns. Therefore their plan will require them to save a lot more money to reach their goals.

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