Determining how to adjust your strategy as you near retirement can feel complicated. Together, we’ll help you create a plan that balances the need for short-term cash flow with the desire to continue growing your nest egg throughout your years as a retiree.
After we’ve created a financial plan, we need a vehicle to get you to the retirement you’ve always imagined. That’s where your investment portfolio comes into play.
Our portfolios are designed to maximize our client’s probability of success, no matter what that means to them.
While each client’s specific needs and goals will be different there are several key attributes that are common to all of our portfolios:
- Systematic – Each strategy uses a repeatable process to reduce or eliminate emotion when making investment decisions
- Transparent – All of your holdings are visible to you every minute of every day so you know exactly what you own and why you own it
- Evidence-Based – Each strategy is grounded in academic research and not storytelling
- Low Cost – Our portfolios are executed with Exchange Traded Funds (ETFs) which provide cost-effective, liquid, and tax-efficient exposure to the asset classes that make up our client’s portfolios
iNNOVA Wealth Classes
Sign up for our highly informative seminars taught by seasoned financial planners.
Each course provides real world information and tools to help simplify the complexities surrounding retirement, tax planning, investing and general financial planning.
Planning Strategies to Reduce Your Required Minimum Distributions
In the 1970’s the Employee Retirement Income Security Act (ERISA) created a new set of retirement strategies from 401(k)s to IRAs. Many of these retirement plans gave an individual the ability to defer taxes on contributions and growth that occurred within the retirement account until […]Read More
More Yield, More Tax (Sometimes): The Taxation of Fixed Income Investments
With Fed rate increases over the last 18 months, we now have a whole slew of fixed income investments that offer very attractive yields. Interest rates were so low for so long that many investors forgot that the interest from fixed income investments is generally […]Read More
The Rise of CDs: What You Need to Know Before Investing
Throughout my career, I’ve frequently encountered clients asking the elusive question: “Isn’t there somewhere I can get a 5% return with no risk?” Unfortunately, for the longest time, the answer had always been a disappointing “no.” With persistently low interest rates, the opportunity for substantial […]Read More