Investment Services

Positioning your assets to efficiently pursue your objectives


The Investor Psychology Cycle


Creating an Investment Strategy

You save money to achieve a goal. Once you have reached the goal, you spend the savings. It seems like a simple process. However, sometimes, people who are best able to save for long-term goals have forgotten how to spend.

Retirement is probably the biggest culprit. Good savers spend 30 or 40 years spending less than they make so they can save for their golden years. Sometimes they get to retirement and want to continue to spend less than they make—leaving their savings intact. Andy and Ben want you to be conscious of this so you can enjoy your retirement; spending the money you have accumulated in line with your planning and your evolving situation.

We focus on both the accumulation stage and the distribution stage of the investment cycle. It is important to make sure you are using your resources effectively to achieve your goals. It is important to take advantage of strategies that can help you distribute those resources efficiently. For instance:

  • In charitable giving, that might mean giving shares of stock rather than cash.
  • In retirement, that might mean funding several years’ worth of income through stable investments. Meanwhile, your funds for income in future years would be invested with the potential to stay ahead of inflation. When there is market volatility, your stable investments will provide stable funding until the volatile period ends.

Balancing risk is critical. We cannot eliminate all risks but discussions and analysis can help you come to a comfortable balance between stable investments and investments that have the potential to keep up with inflation. Your goal is to make sure you have the income you need to fund your lifestyle, alleviate your money stress and make sure none of your checks bounce. To learn more about the investment process, sign up for a quarterly newsletter.

Investments will fluctuate and when redeemed may be worth more or less than when originally invested.