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    Home » Financial Services » Investment Planning

    Investment Planning

    The following two questions can help you establish your level of comfort with your investment decisions and planning:

    Question 1:

    How would your lifestyle change if you had a 30 to 50 percent gain in your investment portfolio? Many people respond that they might spend or travel a little more or just feel more secure, however, nothing in their lives would dramatically change.

    Question 2:

    How would your lifestyle change if you had a 30 to 50 percent loss in your investment portfolio? Many people may be devastated, may have to move to a smaller home or drop a club membership. The loss could produce a dramatic change in their mindset and lifestyle.

    The latter is generally the reason why families are far more concerned with protecting what they have accumulated rather than taking extra risk for the chance of a higher rate of return.

    Our philosophy is that you should take the “least amount of risk to reach your financial goals.” While it sounds simple, this practical advice is often ignored.

    Our simple 3-Step Review can help you develop a financial plan that matches up with your goals for today and your future.

    Asset Protection

    Asset protection calls for more than just strategic asset allocation. Our portfolios must be defensive in nature and actively respond to risks. We work diligently to protect your portfolio from negative returns early in retirement while making them strong enough to hedge against inflation.

    While it is true that clients need to protect themselves from the typical creditor, there are many other creditors to take into account, including:

    Don't be a "deep pocket" target for a frivolous lawsuit or other threat that could have been avoided with a sound legal asset protection plan. A well-constructed plan can (or may) allow you to achieve your protection objective and still have control and use of your assets.

    Other "creditors" that have the potential to adversely impact your long-term financial strategy:

    Our simple no-obligation 3-Step Review can help you develop a financial plan that matches up with your goals for today and your future.

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    Real Estate Planning

    Selling property can be very stressful these days. Robert Wealth Management is your ally for ensuring you are making this pivotal choice fully armed with the best information.

    If you've been thinking about selling any property this year, ask yourself the right questions. Through our simple review process, we will help you get the right answers before you sell, which can make all the difference.

    Ask yourself:

    Or if you own commercial or business property, ask:

    Roberts Wealth Management will work with you to answer these and any other questions you may have. Get peace of mind and knowledge that you're doing what's right for you and your family.

    Our simple no-obligation 3-Step Review is a great way of helping you to develop a plan to make the best decisions ... because you and your family deserve better.

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    IRA & 401(k) Rollovers

    When you change jobs or retire, there are four things you can do with the money in your employer-sponsored retirement plan:

    If the following comment from your CPA sounds familiar, then your CPA is similar to most clients we talk with:

    “Put money in your 401(k)/profit sharing plan and pay taxes on the rest. If you want to take home more money, you need to make more money.” 

    Most people think it’s a good idea to match contributions to the maximum in your employer-sponsored retirement plan or to contribute funds to a “tax-deferred” qualified retirement plan; many times, this is not the case. In fact, tax-deductible qualified retirement plans can be more tax-hostile than tax favorable.

    The term “stretch IRA” has become a popular way to refer to an IRA (either traditional or Roth) with provisions that make it easier to “stretch out” the time that funds can stay in your IRA after your death, even over several generations. It’s not a special IRA, and there’s nothing dramatic about this “stretch” language. Any IRA can include stretch provisions, but not all do. The possibilities of the stretch IRA include tax-deferred potential growth, retirement income and legacy planning, making this strategy ideal for many pre-retirees and retirees. 

    Roberts Wealth Management can help you determine if a rollover or stretch tactic is the right move for you.

    Our simple no-obligation 3-Step Review can help you develop a financial plan that matches up with your goals for today and your future.

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    Strategies for Financial Independence

    To schedule a time to discuss your financial future, contact us at retire@robertswealth.com or call us at 281-277-0645 today!

    We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives.

    Retirement Kit

    Enter your information below to request this kit, including three separate guides that address several retirement topics.

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    We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives.

    Investment advisory services offered through AE Wealth Management, LLC. AEWM and Roberts Wealth Management are not affiliated companies.

    Any media logos and/or trademarks contained herein are the property of their respective owners and no endorsement by those owners of April Roberts or Roberts Wealth Management is stated or implied.

    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. None of the information contained on this website shall constitute an offer to sell or solicit any offer to buy a security or any insurance product.

    *Any references to protection benefits or steady and reliable income streams on this website refer only to fixed insurance products. They do not refer, in any way, to securities or investment advisory products. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by insurance company. Annuities are not FDIC insured.

    The information and opinions contained in any of the material requested from this website are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. They are given for informational purposes only and are not a solicitation to buy or sell any of the products mentioned. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.

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