Know the Basics of Planning. |
Calculators & Resources
Start your planning journey now with these resources:
We've assembled these calculators and articles to help you plan and estimate your retirement income.
As always, reach out to us if you have any concerns or questions--
we’re here for you every step of the way.
As always, reach out to us if you have any concerns or questions--
we’re here for you every step of the way.
Retirement Has 3 Parts: Money, Health & Time.
Once we fully understand your specific situation, we can begin to build a plan suited to your needs.
Asset types fall under five broad categories:
Initially, we identify a broad set of diversified asset classes to serve as the building blocks for your portfolio. Our approach also evaluates each asset class on its potential for capital growth & income generation, volatility, correlation with the other asset classes (diversification), and inflation protection.
Research¹ has consistently found the best way to maximize returns across every level of risk is to combine asset types and allow individual securities to generate alpha.
Asset types fall under five broad categories:
- Stocks
- Bonds
- Cash
- Alternatives
- Insurance/Annuities
Initially, we identify a broad set of diversified asset classes to serve as the building blocks for your portfolio. Our approach also evaluates each asset class on its potential for capital growth & income generation, volatility, correlation with the other asset classes (diversification), and inflation protection.
Research¹ has consistently found the best way to maximize returns across every level of risk is to combine asset types and allow individual securities to generate alpha.
Call us today at 713-370-0512.
Terminology
Wealth Management
Investing advice still might mean something in this crazy world of robot advisers and apps and near-constant information. We think it does. Nothing can protect an individual completely from market volatility, but we align our clients’ portfolios with their risk tolerances to ensure that they’re comfortable with their wealth management choices.
Education Planning
College is one goal people start saving for early, when they have young children in their homes. Or you may want to save money so you or your spouse can return to school. Whatever your goals, people often use a variety of tools, including 529 plans, to accomplish their education-related ambitions. And did you also know you might be able to use a 529 savings plan to save on taxes when paying tuition at a private K through 12 school for children in your home? Checking with an adviser is the best way to make sure you reach your education-related goals.
Retirement Income Planning
After looking at your unique financial situation, we aim to design a retirement plan that helps you create an income you can’t outlive—one that maximizes the value of your assets to protect your family, and one that preserves your legacy for your beneficiaries. We help people with unique situations; we find financial strategies that fit their goals.
Social Security Strategies
With our in-depth knowledge of Social Security, we can help you decide when is the right time to start drawing your benefits. Our goal is to assist you in maximizing your Social Security benefits, coordinate them with your spouse’s benefits, and help you fill the gap between your benefits and your overall retirement-income needs.
Long-Term Care
We can help you navigate your questions when it comes to selecting the right long-term care coverage for you and your needs. Or are you having to figure out how to pay for the unexpected extra expense or care for yourself or a loved one? Even if it’s “too late” for traditional long-term care, we help you understand what your options are should your resources become depleted.
Estate Preservation
Estate planning can be an emotional and complex series of decisions. Whether you want to leave your assets to your heirs or charity or want to develop a succession plan for your business, we can help you design a strategy that allows you to share your life’s successes with others while also leaving a legacy for those you love.
¹ Markowitz, 1952; Sharpe, 1964; Brinson, Hood & Beebower, 1986; Brinson, Singer & Beebower, 1991; Ibbotson & Kaplan, 2000
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Registered Representative, securities offered through Cambridge Investment Research, Inc., a Broker/Dealer, member FINRA & SIPC. Advisory Services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Cambridge and Smart Capital Management are not affiliated.
This communication is strictly intended for individuals residing in the states of CO, FL, ID, LA, MI, MN, MT, OR, PA, TX, WY. No offers may be made or accepted from any resident outside the specific state(s) referenced. Cambridge does not offer tax or legal advice.
Licensed Insurance Professional. 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. Investing involves risk, including the loss of principal. No Investment strategy can guarantee a profit or protect against loss in a period of declining values. Any references to protection or lifetime income refer to fixed insurance products, never securities or investment products. Insurance and annuity products are backed by the financial strength and claims-paying ability of the issuing insurance company. 19507 - 2019/11/22
The information is not intended to be investment, legal or tax advice. The agent can provide information, but not advice related to social security benefits. The agent may be able to identify potential retirement income gaps and may introduce insurance products, such as an annuity, as a potential solution. For more information, contact the Social Security Administration office, or visit www.ssa.gov.
This communication is strictly intended for individuals residing in the states of CO, FL, ID, LA, MI, MN, MT, OR, PA, TX, WY. No offers may be made or accepted from any resident outside the specific state(s) referenced. Cambridge does not offer tax or legal advice.
Licensed Insurance Professional. 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. Investing involves risk, including the loss of principal. No Investment strategy can guarantee a profit or protect against loss in a period of declining values. Any references to protection or lifetime income refer to fixed insurance products, never securities or investment products. Insurance and annuity products are backed by the financial strength and claims-paying ability of the issuing insurance company. 19507 - 2019/11/22
The information is not intended to be investment, legal or tax advice. The agent can provide information, but not advice related to social security benefits. The agent may be able to identify potential retirement income gaps and may introduce insurance products, such as an annuity, as a potential solution. For more information, contact the Social Security Administration office, or visit www.ssa.gov.