金融 Fitness - Are my personal finances on the right track?

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This is a frequently asked question by my clients as well as prospects. As a financial advisor, I can say that the definition of “on track” is unique to each individual.  Younger clients are typically more focused on planning for a growing family or children’s future education, compared to more financially established individuals who might be focused on when can they comfortably retire and what retirement might look like for them.

Our firm works with people in their 20s and 30s, 80s and 90s, and anywhere in between. 显然有不同优先级的群体. 虽然财务目标可能不同, the process of creating a tailored financial plan to achieve your financial independence is the same.

首先要评估你当前的资产负债表, 包括现金在内的各种资产, 应纳税的投资, 还有退休账户和房地产, 人寿保险单, 以及其他个人和企业资产. 除了清点你的资产, a discussion should also be had regarding unique factors that play into your long-term investment strategy, including current age and your ability to stay disciplined in up and down capital market cycles.

Upon establishing your current financial position and investment considerations, you project forward various financial factors including personal income, 预期的当前和退休开支, your potential savings into retirement and non-retirement accounts, and various other individual financial considerations. While we know we cannot predict how your financial future will unfold, 我们可以计算出一系列可能的结果.

一旦你的财务基础情况已经建立, we then begin the value-add process of changing assumptions to assess their impact on your long-term financial plan. 我们希望解决你的“如果”问题. 这些问题可能包括:

• 我什么时候可以退休?? If I retired earlier or later what impact might that have on my potential 支出 in retirement?
• What if my income were to increase in the future from a new job or promotion – what impact could that have on my retirement age?
• What if I spend more during the first 10 years of retirement and then my 支出 tapers later?
• What if my investment portfolio grows at a faster or slower rate than anticipated? What is the corresponding impact to retirement age, 支出, savings rates, etc.?
• 我应该在几岁申请社会保险? What if I file before my full retirement age or after?

在我们看来, the process of analyzing your current financial position and projected financial future from an income, 支出, and savings perspective is paramount when working with an advisor. 按照描述构建的财务计划, should serve as your financial roadmap and inspire confidence in achieving your long-term personal financial success.

Please contact me to learn more about the services offered through Schneider Downs 财富管理 Advisors.

Material discussed is meant for informational purposes only, 而且这不能被理解为投资, 税, 或法律建议.  个别情况可能有所不同, 因此, this information should be relied upon when coordinated with individual professional advice.