Do Your Investments Match Your Risk Tolerance?
Aug 2, 2023
From time to time, it is a good idea to review how your portfolio assets are allocated – how they are divided among asset classes – and make sure they still match with your risk tolerance.
At the inception of your investment strategy, your target asset allocations reflect your tolerance for risk. Over time, though, your portfolio may need adjustments to maintain those target allocations. (more…)
Tags: charlotte NC, financial advisor charlotte nc, Investment Planning, Personal Finance, Retirement Planning, Risk Management
Understanding Risk
Jun 2, 2023
Few terms in personal finance are as important, or used as frequently, as “risk.” Nevertheless, few terms are as imprecisely defined. Generally, when financial advisors or the media talk about investment risk, their focus is on the historical price volatility of the asset or investment under discussion.Tags: charlotte NC, financial advisor, financial advisor charlotte nc, Financial Help, Financial Planner Charlotte NC, Retirement Planning, Risk Management
Managing Risk in Your Portfolio
Jun 1, 2022
Risk is a factor in any investment decision that you make. Your tolerance for risk is something that you will want to consider when you make decisions alongside your trusted financial advisor in Charlotte NC. Your risk tolerance is balanced against your time horizon, meaning the time between now and your anticipated retirement date. (more…)
Tags: Financial Planner Charlotte NC, Risk Management
Business Continuity Plans
Dec 10, 2021
As a business owner, you’ve worked hard for your success. The long hours, the difficult decisions, and the sacrifices you have made have led to where you are today. The last thing you want is to suffer a disruption to your business. However, in the event that you do experience an unavoidable mishap, it may be smart to have a Business Continuity Plan (BCP) in place. (more…)
Tags: Investment Planning, Legacy, Risk Management, Tax Planning
Eldercare Choices in the COVID-19 Era
Jul 26, 2021
Given the threat of COVID-19, seniors today may be considering their eldercare alternatives with extra caution.
In addition to health factors, the cost can be an issue. According to Genworth’s 2020 Cost of Care Survey, the median annual cost of a semi-private room in a nursing home is now $90,000. A single-occupancy room may cost over $100,000 a year.1 (more…)
Tags: Current Events, financial advisor charlotte nc, Long-Term Care Planning, Medicare, retirement, Risk Management
Interest Rates and Your Mortgage
Nov 20, 2020
With the Federal Reserve keeping interest rates at or near zero, you may wonder about your mortgage. Is it a good time to refinance or even pay off the debt entirely? After all, your mortgage is one of the biggest expenses you may have in life, so why not rid yourself of that debt as soon as possible? (more…)
Tags: Certified Financial Planner Charlotte NC, Family Wealth, financial advisor charlotte nc, Personal Finance, Risk Management, tax guide, Tax Planning, Wealth Building
Take Control of the One Thing You Can Control … YOU
Mar 4, 2014
Why do we plan a vacation? Many, if not most of us, lay out meticulous plans to ensure that our trip goes smoothly. Doing so enables us to do all the things we want to do and see all the things we want to see. But what would happen if we didn’t create a plan in advance? Might a relaxing vacation turn out not so relaxing? Might a potentially great experience turn into a frustratingly negative one? Don’t get me wrong, I know some folks live for spontaneous adventure, but I can’t imagine too many of us like to travel without some sort of plan. By setting an itinerary or planning ahead many of the main aspects of your trip, you can have your expectations become a reality and help to minimize most travel snafus. We plan because there are rewards for doing it. (more…)
Tags: Estate Planning, Income Planning, Investment Planning, Retirement Planning, Risk Management
More Insights
Oct 2, 2023
As a business owner, you’re going to have to decide when will be the right time to step out of the family business and how you’ll do it. There are many estate planning tools you can use to transfer your business. Selecting the right one will depend on whether you plan to retire from the … Continue reading “Transferring Your Family Business”
Sep 29, 2023
Incapacity means that you are either mentally or physically unable to take care of yourself or your day-to-day affairs. Incapacity can result from serious physical injury, mental or physical illness, advancing age, and alcohol or drug abuse.
Sep 27, 2023
Bonds may not be as glamorous as stocks or commodities, but they are a significant component of most investment portfolios. Bonds are traded in huge volumes every day, but their full usefulness is often underappreciated and underestimated.
Sep 25, 2023
Life insurance has come a long way since the days when it was known as burial insurance and used mainly to pay for funeral expenses. Today, life insurance is a crucial part of many estate plans. You can use it to leave much-needed income to your survivors, provide for your children’s education, pay off your … Continue reading “Life Insurance and Estate Planning”
Sep 22, 2023
The specter of a U.S. federal government shutdown continues to loom this week as Congress has just 12 days to agree on a budget before the October 1 deadline. House Republicans released a temporary measure on Sunday which could push the deadline out another month, with the hopes of a final solution coming in the … Continue reading “Government Shutdown Looms, Stocks Say ‘Been There, Done That’”
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