I am working with clients, from individual investors to large financial institutions, to develop advanced portfolio management strategies to help them achieve specific goals for their own or their institution's financial future.
How I organize my work:
While I have a variety of services for my clients, many are looking for someone to manage their investments (whether these are retirement funds, joint accounts).
I review each client’s goals, investment experience and risk tolerance, and determine a financial investment plan best suited for that client. To meet my clients' needs I use a variety of methods to properly manage your assets.
It's not going to be your parents' retirement - rewarded at 65 with a gold watch, a guaranteed pension, and health insurance for life. For many people, retiring in this new century is a mystery. Earlier generations of workers could rely on employer- provided pensions, but now many workers will need to rely on their own work- related and personal savings plus Social Security benefits. These savings have to last longer because people are living longer, often into their eighties and nineties.
If you are one of those people who want to plan - and are about 10 to 15 years from the day you retire - this service is for you. Today's (and tomorrow's) retirees may well have a new kind of retirement. With a longer and healthier life span, bikes, boats, planes, and RVs may be part of your life, because you are more likely than previous generations to be an active older American.
Long-term care involves a variety of services designed to meet a person's health or personal care needs during a short or long period of time. These services help people live as independently and safely as possible when they can no longer perform everyday activities on their own.
Most Care Provided at Home
Long-term care is provided in different places by different caregivers, depending on a person's needs. Most long-term care is provided at home by unpaid family members and friends. It can also be given in a facility such as a nursing home or in the community, for example, in an adult day care center.
The most common type of long-term care is personal care -- help with everyday activities, also called "activities of daily living." These activities include bathing, dressing, grooming, using the toilet, eating, and moving around -- for example, getting out of bed and into a chair.
Long-term care also includes community services such as meals, adult day care, and transportation services. These services may be provided free or for a fee.
Many people believe they don't need estate planning because they think they don't have an estate. Or they think the value of their estate is not great enough to cause estate taxation, so what's the point?
With few exceptions, everyone has an estate -- even the young child with a custodial account in his\her name and the granddaughter who received a lovely piece of jewelry for her 16th birthday.
If you own something of value that you would pass on to someone else upon your death, you have an estate. Whether you know it or not, you also have an estate plan. The state has one for you free of charge (well, sort of) if you don't get around to writing a will or designing a plan of your own.
Broadly speaking, an estate plan encompasses the accumulation, conservation and distribution of an estate. A good plan will enhance and maintain the financial security of individuals and their families.
When you're developing a plan for your estate, it's important to understand your entire financial picture. That's where I come in. Working with your tax and legal advisors, I will help coordinate your investment strategies to help ensure that your plan reflects your wishes for your legacy.
Social Security benefits are one of the most important parts of any retirement portfolio. A poor claiming decision can cost tens-of-thousands of dollars, while making the right decision can contribute significantly to one’s financial security.
However, Social Security is a complex system. I provide the tools to help you make the best Social Security planning. My reports present not only the optimal strategy, they also provide comparisons to other strategies that may work better.
Your primary insurance amount, or PIA — the benefit you would get at full retirement age — determines the size of your monthly retirement check. According to the Social Security Administration’s website, the PIA is based on the Average Indexed Monthly Earnings, or AIME, as applied to an inflation-adjusted formula.
The PIA is then adjusted for whether you take retirement before or after your normal retirement age — 66 for those now reaching retirement age, but gradually adjusted to age 67 for those born after 1960.
You can begin drawing reduced Social Security as early as 62. For every month you delay after reaching full retirement age, up to age 70, the monthly benefit increases. According to a 2010 report of the Senate Special Committee on Aging, for someone with an AIME of $5,000 in 2010, the PIA would total $1,971.
Market risk or “principal risk” is the chance that a downturn (or a bad investment) chews up your money. It’s there for both stocks and bonds — when interest rates rise, bondholders will see the market value of their paper shrink — and for most people it’s the big bugaboo.
For most people, inflation is the “risk of avoiding risk” — the opposite end of the spectrum from market risk — the possibility that you are too conservative and your money can’t grow fast enough to keep pace with inflation.
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Actually, I'll listen as you explain your needs, dreams, and fears. Then I'll design a personalized plan that explains how we can help you reach your financial goals.
We work together to implement the plan. Then I keep you updated on where you stand and adapt the plan as life happens.
I`m here for you whenever you need help. Call me at any time, for any reason. Buying a new car? Ask my advice. Been offered a new job? Give me a call. Daughter got engaged? I`ll help you.