You have many different ways to invest your money and just as many different types of accounts in which to invest.

What we do is “Needs-Based Planning”.

Needs-Based Planning is finding what your needs are and then helping you come up with a strategy to help you work towards fulfilling those needs.  Now we know plans can, and often do, change.  To help you stay on track we meet each year to make sure we make small changes along the way to keep you on track.

I like the analogy of a ship sailing across the ocean.

Let’s say a ship takes off out of its port of origin and heads out with a destination in mind.  Now because of currents, wind, and tides this ship is very rarely headed directly toward its destination. But with constant small adjustments it hopefully reaches its destination.

Now let’s say that ship is your investment savings and your destination is retirement.

Our goals are to help your financial ship avoid obstacles and reach your desired port on schedule.

The way we work together to help you during your journey is by making small adjustments to your investment ship’s course.  This way we hopefully avoid dangers and the need for drastic changes to your final destination called Retirement.

Now let’s stick with the ship analogy for a little bit longer if that’s all right.

Again if you were going to take a trip by boat you would first want to be sure about your port of origin and your destination port.

Now, if this trip were a short trip around a lake to do some sightseeing you’d choose a boat that would be appropriate like maybe a canoe, or a small fishing boat, or maybe a pontoon boat.

If you were going out on a long trip on the ocean for many days you would more likely enjoy a cruise ship, or if you are an avid sailor you might choose a large sailboat.

You can see that depending on the length and type of trip could affect the boat you choose.

The same goes with investing.  Depending on your goal and the length of your “trip” the type of investment and account can vary widely.

To help you pick the right investment and account to help you on your journey you may use many different investments.

Here are some of the ones our clients like you may use:

  • Mutual Funds
  • Managed Accounts
  • Index Funds
  • No Load Funds
  • Fixed Annuities
  • Variable Annuities
  • Immediate Annuities
  • Deferred Annuities
  • Limited Liability Partnerships
  • Real Estate Investment Trusts
  • Stocks
  • Bonds
  • Term Life Insurance
  • Whole Life Insurance
  • Variable Life Insurance
  • Universal Life Insurance
  • And many other investments not listed above.

We have professionals in many fields available to help you so let us know what you’re looking for and we’ll let you know how we can help.  If we can’t help we won’t leave you stranded.  We’ll always work to help you find someone that can give you the help you need.

Another very important part of the selection process is determining what type of account to put your investment in.

The types of accounts can vary almost as much as the investments themselves.

You may need to hold your investment in one of the following:

  • Joint Account
  • Individual Account
  • Transfer On Death Account (TOD)
  • Individual Retirement Account(IRA)
  • Roth IRA
  • Beneficiary IRA
  • Simplified Employee Pension IRA
  • 401(k)
  • Trust Account
  • Revocable Trust Account
  • Charitable Remainder Trust
  • 529 Account
  • Unified Gift/Transfer to Minors Account (UGMA/UTMA)
  • Custodial Account
  • Brokerage Account
  • Fund Direct Account
  • Or you may need something entirely different to better help you reach your goal.

You can start to see there are many choices when it comes to investing.

That’s why professional advice from a knowledgeable financial advisor is essential.

Our goal is to help you make informed decisions about how and where to invest.

You may have the right account but the completely wrong investment.  Or you may have the right investment and you know it’s in the wrong type of account but you don’t know the best way to make the change.

Again, this is exactly why having us get to know you and your goals is essential to helping you make the right decision going forward.

Give us a call right away at (303) 279-4015 and we can work together to get you on the right path towards pursuing your very specific goals.