Our Services
Retirement Advisors is a fee-only advisory firm. Therefore, we are required to withhold the fiduciary standard and hold our client’s best interests above our own.
Under ERISA fiduciaries have the following duties: loyalty, diversification, incur only reasonable costs, monitor investments and avoid prohibited transactions.
Whether you are an institutional client, personal client, or seeking investment consultation, we are here to help.
Comprehensive Retirement Planning for Employers
Participant Education
The quality of life that many plan participants will enjoy in retirement depends on how well they understand the importance of saving for retirement and how to properly diversify their retirement savings.
Retirement Advisors provides customized, targeted, and effective education for plan participants to achieve long-term financial goals.
Fiduciary Obliation
ERISA requires plan sponsors exercise due diligence and prudence in the selection and monitoring of retirement plan providers. There are many established providers in the constantly changing marketplace.
Retirement Advisors can assist plan sponsors in selecting the appropriate vendor in an unbiased manner.
Fees
ERISA holds that fiduciaries must ensure that plan expenses are "reasonable."
Retirement Advisors determines what, to whom, and how the expenses are being paid. In addition, those expenses can be benchmarked against similar sized plans to ensure reasonable fees are incurred.
Personalized Financial Guidance
Financial Goals
The first step in personal financial investing is defining clear and realistic financial goals. These may include saving for retirement, purchasing a home, funding education, or simply building wealth.
Long-Term Perspective
Successful personal financial investing often involves a long-term perspective. While short-term market fluctuations are common, focusing on the overall goals and staying disciplined through market cycles is important.
Regular Monitoring and Rebalancing
Regularly review the performance of the investment portfolio and make adjustments as needed. This may involve rebalancing the portfolio to maintain the desired asset allocation.
Emergency Fund
Before investing, it's advisable to establish an emergency fund to cover unexpected expenses. This ensures that individuals don't have to liquidate investments during downturns.
Investment Advice and Risk Management
Professional Advice
In addition to client asset management, Retirement Advisors also offers consultations, billed by the hour, to individuals seeking professional financial advice.
Seeking advice from financial professionals, such as financial advisors, can be valuable. They can provide personalized guidance based on individual circumstances and market conditions
Research and Due Diligence
Conducting thorough research on potential investments is essential. This includes analyzing financial statements, understanding market trends, and staying informed about economic conditions.
Risk Tolerance
Understanding one's risk tolerance is crucial. This involves assessing how comfortable an individual is with the potential for fluctuations in the value of their investments. Risk tolerance varies from person to person and is influenced by factors such as age, financial goals, and personal preferences.
Your Success is Our Success
Personal financial investing requires a thoughtful and strategic approach based on individual goals.
Retirement Advisors regularly assess progress, adapts strategies as circumstances change, stays informed about financial markets and how economic trends contribute to making informed investment decisions.
Financial needs and considerations can vary across different generations due to differences in life stages, economic conditions, and societal trends. Each generation has its unique financial needs and challenges.For all generations, it's essential to focus on building an emergency fund, managing debt wisely, and having a diversified investment strategy tailored to individual goals and risk tolerance. Additionally, staying informed about financial markets and seeking professional advice when needed can contribute to better financial outcomes.
Retirement Advisors creates tailored personal investment plans specific to each individual’s needs whether you are planning for retirement or making your first investment.
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