Our life-affirming process …
For us, financial stability has little to do with a balance sheet and more to do with a balanced life; the life you want to live into your retirement years. True wealth is all that money can’t buy and death can’t take away. It’s based on far more than financial planning. It requires a comprehensive approach that integrates imagination and innovation with careful calculation.
With this in mind, we define our services into two strategies:
PAYCHECK and PLAYCHECK …
Paycheck Strategies Include:
- Social Security Benefits (Click Here for Complimentary, No-Obligation Custom Report!)
- Pension/Retirement Accounts
- Other Guaranteed Retirement Income
These services represent the cornerstone of a family’s paycheck in retirement. Retirement planning must cover many risks: inflation, deflation, market, long-term care needs and more. However, the greatest risk is longevity – outliving your resources! Longevity risk is actually a risk multiplier: the longer you live, the more exposed you are to all the other risks.
How can you minimize longevity risk at a time when company pensions are disappearing and social security benefit levels are facing an uncertain future? By making smarter savings and investment decisions!
We believe your lifestyle income should come from guaranteed sources – to minimize risk and assure a secure retirement.
PlayCheck Strategies Include:
- Stocks
- Bonds
- Real Estate
- Commodities
- Precious Metals
At SG Wealth Management, we believe that a well-diversified portfolio should be invested in non-correlated asset classes. This will help assure the balance between risk and reward that is designed to stand the test of time.
We provide these services through Fee-only Investment Management
Financial Risk Classes
Financial Risk Classes- Green: most conservative
- Yellow: moderate risk
- Red: most aggressive
3 Phases of Investment
- Accumulation: your working years where time horizons are longer and tolerance for risk is higher.
- Preservation: 5 years before retirement through your retirement life.
- Distribution: When risk of running out of money has diminished leaving a clear sign you are financially prepared to not deplete all your assets. At this point, its time for comprehensive estate preservation strategies with consideration of children, grandchildren, charities and other beneficiaries.
As you travel through the 3 phases of your financial journey your allocations need to change accordingly.