23 North Avenue East
Is your financial house in order?
When we meet and discuss what is important to you, we will begin your financial journey by taking an inventory on where you are today. Together, we will document your net worth (assets minus liabilities) and cash flow (income minus expenses) on an on-line secure portal which you will have real-time access to from your computer or phone. With this smart technology, we will have the ability to create and track your budget and goals. This tool, along with my professional advice, will help us make sure that you are doing everything you can to be set up for financial success and reach your goals.
How much do you need to save for retirement?
The total cost for retirement is most likely going to be your biggest expense in life. It can be a challenge if juggling other goals like saving for a child’s education and/or paying off student loans. The important point is to make a commitment to your retirement savings by contributing a consistent amount with each paycheck. I will help you to determine how much you need to save for retirement and create a roadmap that we will review each year to make sure you are on track.
Are your investments properly diversified and aligned with your tolerance for market risk?
Investing involves a certain amount of risk. Having a high-quality, diversified investment portfolio helps reduce certain types of risk, including market, financial and company risk. As the adage goes, you do not want to put all of your eggs in one basket. When we sit down together, we will determine the amount of risk your investment should have by weighing your ability to tolerate price fluctuations against your need to earn a certain rate of return. The amount of time you must invest also plays an important role. Once we have a good understanding of your risk tolerance, I will design a high-quality, diversified portfolio for you.