Our mission is Financial Education – to provide companies, and other organizations, the resources to enable their employees, or members, to completely understand their retirement plan and make informed financial decisions in order to build the individual wealth necessary to afford typical lifetime expenses such as buying a home, paying for college and withstanding unexpected financial emergencies.
OUR VISION
We believe everyone should be able to retire to the same lifestyle they enjoyed while working. We also believe that preparing for retirement is the responsibility of the individual. We look forward to a time when everyone has the information necessary, and acts on that information, to begin planning for retirement when they enter the workforce.
OUR APPROACH
We develop a video presentation tailored to your specific retirement plan that follows the Department of Labor’s guidelines. Our video presentation will completely explain
Plan and Investment information:
An explanation of your organization’s retirement plan and the need to plan for retirement. Complete description and explanations of all underlying investments including composition, historic returns, risk, and fees associated with the investments. We emphasize an understanding of the underlying management fees, since higher fees will significantly reduce the growth of investment accounts over time.
General financial, investment, and retirement information:
Basic investing information to include; “paying yourself first”, dollar-cost averaging, diversification, risk vs. return, identifying individual risk tolerance, effects of inflation, difference between asset classes, estimating retirement needs, understanding the time value of money. Explanations of Social Security retirement benefits and retirement age restrictions are included.
Asset allocation models:
An explanation of the benefit of diversification and how a combination of different investments can provide the maximum return while minimizing the risk of a stock market down turn. Asset allocation pie charts using the retirement plan investments are illustrated. Different models are developed to coincide with age, so that the asset allocation for a 25 year old is more aggressive than the asset allocation for a 55 year old.
