Q: I’d like to know what are the different options to protect and invest my retirement money in before I retire.
A: The attached figure from Wes Moss’ new book , “You Can Retire Sooner Than You Think” diagrams four (4) areas where you can put your retirement money:
1. Cash – Savings, Checking, CDs, money market
2. Income – Bonds
3. Growth – Stocks
4. Alternative Income – Closed End Funds, REITs, MLPs, Energy Royalty Trusts, REITs
Cash has zero risk and zero return. You step up in risk as you move across the continuum from bonds, to stocks to alternatives.
We focus on creating a balanced customized portfolio pulling from all 4 buckets based on each individual client’s unique situation. Our preference is to start working with clients prior to retirement so they have the added piece of mind of seeing their portfolio working for them while they are still working which makes the transition to retirement less stressful.
No two clients are ever the same. We do offer a free one hour consultation, and I would be happy to meet with you to discuss your unique situation.
If a free consultation is of interest to you, please contact Barbara Barnett to schedule an appointment at 404-531-0018.