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For as long as it's been studied, investors have not done well in the stock market routinely receiving approximately half the broad financial market gains. The primary reason is investors. Even financial advisors have a hard time, not letting their emotions control their investment decision making. No one has actually come up with a solution to this problem until now we put investors back in charge of their financial futures.
With wealth guard, wealth guard is a simple, yet powerful technology that not only addresses the poor I investing conundrums that have plagued investors for decades. It also communicates exactly what investors and their advisors need to know about your invest. To make investing more fun and rewarding every day.
Wealth guard watches all of your investment accounts. No matter if they're managed directly by an advisor by you personally, or are still in a company retirement plan, it reports back the specific information to keep you confident as an investor, helping you to reach your financial goals. It works like this.
Each investor chooses a unique wealth guard percentage for their investments based on their risk tolerance. If you have multiple accounts such as 401ks, Roth, IRAs, et cetera, you'll receive a wealth guard percentage for each account. The wealth guard percentage is based on the balance of growth investments to income investments in your account.
The more stocks in your portfolio, the higher, the risk, the more bonds in your portfolio, the less risk the wealth guard percentage options rank from a low risk portfolio at 7.5% to high risk at 20%. For our example, let's choose 10%, a moderate risk wealth guard percentage. Our total account value is $100,000.
In this example, making our wealth guard value $90,000. As time passes, the wealth guard value rises each time your accounts go up in value. So while markets are rising, your wealth guard value, rises and locks in after each new high. If there is a modest decline, you can confidently stay invested. As you always know the point you've predetermined as your maximum comfortable decline.
If your account value declines by 75% of your wealth guard, number a 7.5% decline. If you have a 10% wealth. A review alert is sent to both you and your advisor to confirm your ideal plan of action. Should your wealth guard number be reached? Should the wealth guard number be reached 10%.
There are two options built into the wealth guarding process. You can exit the market altogether to a position of safety, or you can reduce the risk level on your portfolio by two levels. So in our example of a moderate risk portfolio, the second wealth guard option would move it from 60% growth and 40% income to 20% growth and 80% income.
Using WealthGuard along with a sound investment plan, investors gain the clarity. They need to invest for their retirement. With confidence. By putting you in control of your investments, WealthGuard helps reduce the risk of a large market crash. Changing your retirement lifestyle. Investing with added financial peace of mind can finally be realized with wealth guard.
Investment Advisory Services offered through Retirement Wealth Advisors Inc. (RWA) a Registered Investment Advisor. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision.
This information is designed to provide general information on the subjects covered, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that RWA and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney.
Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Retirement Wealth Advisors Inc.
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