your 
PROFESSIONAL MONEY MANAGEMENT
Important questions to ask yourself:
Invest yourself or partner with us? Corporate, government, municipal, emerging market, or developed country bonds? US or foreign stocks? Emerging markets or developed? Large Cap, Mid Cap, or Small Cap? Market cycles, interest rates, geopolitical influences? These are just some of the investment options investors must decide to use. For the non professional, it is difficult to select a blend of these to match the balance of their risk tolerance, goals, and to stay disciplined during market cycles.
Who is managing your portfolio through the various market cycles: the company sales rep? no one? doing it yourself? How is it going? Are you invested in a combination of investments that are in line with your tolerance for risk? Do you really know? Is your representative independent? experienced? an advisor or a salesperson? Pick your advisor like you would your doctor. It matters.
Want a free review of your portofolio? It's easy. A second opinion or another perspective may remove any doubts.
SAVING FOR RETIREMENT
Keys to growing retirement assets include having a plan, knowing your options, tax efficiency, investing wisely, staying on course, and knowing how they all tie together. Also, knowing what to AVOID is equally important!
Too often, folks skip some of these important points and wonder why their outcome falls short of their intended results. DON'T GO IT ALONE. We have the experience, tools, and training to help you achieve your desired outcome and time line. We can help you with strategies to get on course and to stay on course.
We work together to evaluate your current financial situation and talk about your future - prioritizing goals and discussing timeframes for achieving these goals. An investment plan is implemented and then monitored regularly. We meet with you to discuss the results and monitor whether your goals are being met or circumstances and priorities have changed. We have the ability to adjust your plan as change presents itself.
No account is too small.
RETIREMENT READINESS
Most people only retire once in their lives. Financially, it's a new world filled with new options and choices that they may not be aware of. The saying "it's what you DON'T know that can hurt you the most" applies here.
Do you ever ask yourself: How do I convert my retirement money to Income? How much will that be? Will it be guaranteed? How long will it last? What about investment risk? Taxes? Expenses in 15 years? Emergency money? What's a good strategy for coordinating my various investments? What options for Social Security? for my spouse? What am I not thinking of?
Every person's retirement situation is different and unique. Our over 60 years of combined experience has helped so many folks make good choices that have benefited their unique situation. Our mission is to help make that transition more manageable and less stressful by building a personalized retirement strategy and offering ongoing support, unbiased advice, and objective guidance. Start preparing for tomorrow’s retirement today by contacting us to set up a no-charge, commitment-free introductory meeting.
Don't retire until you've done your homework!
UNIVERSITY/COLLEGE FACULTY & STAFF
- University of Texas System
- Texas A&M System
- Texas Southmost College
- Texas State Technical College, and others
OPTIONAL RETIREMENT PLAN (ORP); 403(B) (TAX DEFERRED ANNUITY); AND 457 PLANS (DEFERRED COMPENSATION) participants:
Did you know that your employer allows you to partner with our firm to handle the investment selection, regular monitoring and adjustments to your account(s), and the necessary periodic communication to you? You get experienced financial advisors AND money management AND local service. We use no-load mutual funds from two of the largest fund companies in the business, saving clients on loads and fees.
Ask yourself these important questions:
Who is managing your portfolio through the various market cycles: the company sales rep? no one? doing it yourself? How is it going? Are you invested in a combination of investments that are in line with your tolerance for risk? Do you really know? Is the advisor assigned to your account(s) in fact an advisor or a salesperson? independent or a company rep? experienced? Pick your advisor like you would your doctor. It matters.
SAVING MONEY FOR COLLEGE
We have a tax-advantaged way to save for higher education expenses, such as tuition, room and board, and required equipment, books, and supplies. And, you maintain control of the account and the timing and amount of withdrawals. It's easy and flexible.
Many folks contribute monthly; others contribute for birthdays and holidays in lieu of another toy or stuff they don't need. Super flexible.
And EVERYONE can contribute: parents, grandparents, family members, friends.
We have millions of dollars that we manage for future college kids, including our own. Call us!
FOR BEGINNERS AND PROCRASTINATORS
No account is too small and starting later in life is better than not starting at all. Been waiting until "someday" to start saving and accumulating wealth? Don't know how to start? Don't know anything about investing or "the markets"? Afraid to invest because you might lose money?
Don't worry, we can help. We can answer your concerns, help you with sound strategies to begin or to get caught up. Understanding what to do, what to avoid, how to do it, organizing your finances are a few of the many ways that we can help.
We work together to evaluate your current financial situation and talk about your future - prioritizing goals and discussing timeframes for achieving these goals. An investment strategy is implemented and then monitored regularly. We meet with you to discuss the results and monitor whether your goals are being met or circumstances and priorities have changed. And we have the ability to make adjustments to stay on course. It's really pretty simple because we make it easy.
Starting is the beginning and you will be glad you did.
WIDOWS, WIDOWERS & DIVORCEES
There are times in life when we are all faced with difficult transitions.
Do you feel overwhelmed? Alone?
We have the experience to guide you through whatever financial advice you need - in a comfortable and friendly environment. Whether it's getting your finances organized or making investment decisions, we know how to help.
Contact us. There is never any obligation. We are here to help.
Social Security and TRS Options
Those folks eligible for Social Security and for Texas Teachers Retirement too often make decisions on when to start taking benefits and which option to select before being fully informed. Sometimes those decisions have unintended consequences that are not the best for their unique situation. Worse, some decisions can be irreversible once made.
Being fully informed on the benefits and limitations of each option is VERY important. Also, making sure that the option and timing is coordinated with all of your other personal and retirement investment options can make a BIG difference. Talk to an experienced advisor first.
DON'T GO IT ALONE!
SUPER SERVICE!
Besides our commitment to having satisfying outcomes for your financial goals, we are equally committed to bringing a warm and happy experience for every client.
Every client can have online access to their account 24/7, call us, or email us. If you have questions, we want to get you answers. Our goal is to give each client service beyond their expectations. Test us!
