A MESSAGE FROM THE C.E.O.
The market results in the last quarter
of 2008 have been some of the worst in U.S. history. Individual
and corporate retirement plans have lost up to 40% of
their value. Many people ask, “How can I know if
the decisions that I make will lead to financial success
and economic independence? How can I keep my hard earn
savings from being wiped out by market risk, excess taxes,
litigation, and out of control cost?” As a Certified
Retirement Planning Conselor, I have found that the Strategic
Wealth Design is the answer. This planning process helps
its members focus their money decisions in a way that
brings peace of mind as it creates an economic environment
that facilitates greater financial success with no additional
out of pocket expense and no new risks.
In this planning model, members are lead
through a five step process which is divided into three
stages. These stages or strategies begin with Vision Casting
which is followed by the Designn implementation and the
Design Review. By utilizing a macroeconomic modeling system
which utilized the principle of monetary velocity, clients
experience greater economic efficiency which leads to
greater wealth and personal success and freedom over time.
This is what Strategic Wealth Partners experience; clear
direction, increased confidence, and new capabilities.
COACHING TIPS
- When making a decision to defer income
into a 401(k) account, you should take advantage of this
growth opportunity by seeking to max out the employer
match when it comes to the amount of your pretax contribution.
- When you're planning to make a decision about money,
whether it is making an investment or simply purchasing
something for the home or buying a new vehicle, you
should always keep the concepts of monetary coordination
and integration in mind. Remember that simply accumulating
money in a 401(k) account or investing in a brokerage
account using dollar cost averaging can become a counter
productive exercise if you don't consider your tax situation.
Often the level of future taxes and the lost opportunity
cost associated with those taxes result in a much lower
overall yield. Being able to distribute money during
your retirement years with lower taxes can be a winning
strategy. Learn to position your overall monetary decision
in such a way that you can avoid or eliminate the tax
bite on your cash flow.
- When setting goals and objectives, you
should focus the timeline of the goal in three year windows.
In doing this, you should ask yourself this question:
At the end of three years, what will need to have happened
in order for me to feel happy with the results?
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