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RISK & REWARD
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To increase one’s Accumulated Money, most  Advisors or brokers focus on finding other investments with a higher rate of return, often requiring increasing the level of risk in the process.

There are many ways to increase your Wealth. 

One way is to be more efficient with the money you already have.


While it is certainly true that higher returns and better investments can often increase one’s Wealth, the focus on Rate of Return may not always produce the desired results.

We’re not saying that you should not seek investments that pay higher returns.
However, making this your sole focus can turn out to be detrimental and unnecessarily risky.
We’ve all heard that over the “long haul”,  the stock market is likely to return favorable investment results.
​We agree with that in theory, but .........
Few advisors will talk with you about the Transferred Money problems that can exist in these investments.


Success in the market takes time, energy and knowledge that most investors do not possess and  Financial Advisors and brokers cannot predict either.

* Will the market be up or down when you need the money?                                               
* Will you have to pay taxes when you access your funds?
* Will hoped for returns be realized?
* 
Could that money be lost in a legal judgment? 
    These are great questions and questions you should be asking before you consider any financial product.

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The lack of systematic savings can tempt one to take unnecessary investment risk.  

DALBAR Associates’ Analysis of Investor Behavior Study reported that during the years from 1983 to 2002, the average investor received a return of only 2.57%.  Which was actually lower than the average inflation  of 3.14%  for the period.  This period included the greatest Bull Market in stocks ever! 


Our focus would be to help you increase your Wealth or “Accumulated money” by avoiding areas where you could be transferring money away.

All without affecting your present lifestyle. 
We believe the first place to start is by eliminating unnecessary Wealth Transfers, before looking for better investments.
There are little know Strategies  such as an IGS  that are
​                                                                            protected from Market downturns.


If one doesn't have to make up the loss on an investment account, they are way ahead. As the graphs below indicate.

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If  You Could get market returns with no risk of loss..........
Why would you take the risk of losing your money in the Market?