Getting Started
Initial Meeting and Data Gathering
The initial meeting, either in person or on the telephone, will allow us to begin to develop an understanding of your long-term goals. Information and documents will be requested either prior to or during the meeting.
Analysis of Your Financial and Investment Status
Depending on the matters raised during the initial meeting and your questions, your financial and investment information will be analyzed and a report will be prepared. While your report will be customized to meet your own unique need and questions, most include:
- An analysis of total investment holdings, with recommendations for changes in diversification and individual investments, and
- A forecast of expected retirement expenses and income, which is useful whether you are working or retired.
Follow Up Meeting
Once you have had an opportunity to review the analyses, an in-person or telephone meeting is arranged to review your overall financial status and to address your questions.
Remember!
A home is still a good investment. Since home prices have declined so much in recent years, you're beginning to hear reports that home ownership is a losing investment and renting is superior. That's usually not the case.
True, during the real estate boom a few years ago, we got used to huge gains in real estate prices, and some began to believe owning a home was a sure route to great riches. But it wasn't back then and never has been.
Over the long run, you can reasonably expect your home to rise in value at a rate slightly in excess of inflation. But there are a lot more reasons to own a home, not the least of which is that owning a home gives you a sense of permanence in your community that simply can't be achieved if you're a renter. The tax breaks are icing on the cake.
