RFS Financial Advisors’ Post

ADVANTAGES OF USING AN RIA: Fiduciary Duty: Higher Standard: RIAs are held to a fiduciary standard, meaning they are legally required to act in the best interests of their clients at all times. This ensures that the investment advice and decisions are made with the participants’ best interests in mind. Fee Transparency: Clear Fee Structures: RIAs typically charge fees based on a percentage of assets under management (AUM) or a flat fee, which can be more transparent and easier to understand compared to the commission-based model often used by BDs. Customized Advice: Personalized Service: RIAs often provide more personalized and tailored investment advice, taking into account the specific needs and goals of the plan participants. Comprehensive Financial Planning: Holistic Approach: Many RIAs offer comprehensive financial planning services, which can include retirement planning, tax planning, and estate planning, providing a more holistic approach to managing retirement savings. The information provided in this post is educational in nature and is not intended to be a recommendation for any specific investment product, strategy, plan feature, or other purposes.

A mutual fund is not a financial plan. It doesn't answer questions, it doesn't provide personalized education, it doesn't have conversations about your values & long-term goals, and it doesn't help you figure out: - your blind spots - when you can retire - how much $ you need - how to get there quicker - tax planning opportunities - if your portfolio is optimized - benefits of tax-loss harvesting - estate planning needed - how to create retirement income - understanding employee benefits - when you should do Roth conversions - what assets to hold in which accounts - how much you need to save and invest - what accounts to use for tax-efficiency - the optimal time to claim Social Security - adequate life/disability/liability insurance - which accounts to withdraw from and when - how much you can safely spend in retirement Funds are great, but they're just a tool. 🔧 Tools are used most effectively with a plan.

Want to take charge of your superannuation? A Self-Managed Super Fund (SMSF) offers the freedom to craft an investment strategy that suits your lifestyle and goals. From direct property investment to unique assets, an SMSF allows you to diversify your portfolio while keeping your super safe from potential legal claims. It's all about making your money work for you! Are you interested in learning more about how SMSFs can transform your retirement planning? Visit www.keyconcept.com.au or call 0497 194 909 for more insights and guidance. Let's start planning for a future where you're in control! #selfmanagedsuperfunds #financialfreedom #retirementstrategy #investwisely #wealthmanagement #superfunds #moneytalks

Ensuring a secure retirement involves more than just saving diligently. It's important to integrate asset protection strategies to safeguard your savings from unforeseen threats. These strategies could include: ◾ Diversifying investments ◾ Establishing trusts ◾ Considering offshore options ◾ Utilising annuities and insurance ◾ Leveraging Roth IRA protections Be sure to regularly review and adjust your plan to stay prepared for market changes and life events. Click here for more insights: https://lnkd.in/eaUYtCKP #RetirementPlanning #AssetProtection #FinancialSecurity #InvestmentStrategy #WealthManagement #ForbesFinance #FinancialAdvice

Diversification — not putting all your eggs in one basket — is one of the most cherished principles of investing. That's one reason why mutual funds have become a popular choice for many investors' workplace retirement accounts. They're an easy way to invest in many different securities at once, and to do so at a lower cost than you might be able to achieve on your own. Check out our latest blog post to learn more! #ArmstrongDixon #FinancialPlanning #MutualFunds https://lnkd.in/eHKWMNQ3

Retirement Planning ? What product is more suitable? If you opting to look at other products because of tax benefits then Mutual Funds also have ELSS under section 80C Don’t put tax benefits ahead of investment vehicle choice. This and more in Financial Express (India) article here, thank you Mithilesh Jha for featuring my views. Mirae Asset Mutual Fund (India) #mutualfunds #investing https://lnkd.in/dQCN7bAH

Your retirement is unique, and your investment strategy should be too. Discover 5 factors that can help you find the right balance for your unique financial goals: https://lnkd.in/eaHvFU-W #retirementplanning #assetallocation #financialplanning

Risk of Ruin…Lifestyle & Default Investment Pension Strategies. For the past 7 years, I have been making the case for avoiding Lifestyling for most investors (those that can handle volatility). And it’s been a lonely place! While I had nothing but positive feedback from investors regarding these pieces – there was been little if any coverage of it from anyone else. Was I mad, or missing something? It appears not. https://lnkd.in/gtuBCeyC #business #investment #retirement #financialplanning #businessowners #financialadvisor

𝗦𝗮𝗳𝗲𝗴𝘂𝗮𝗿𝗱𝗶𝗻𝗴 𝘆𝗼𝘂𝗿 𝗽𝗲𝗻𝘀𝗶𝗼𝗻: 𝘀𝗲𝗾𝘂𝗲𝗻𝗰𝗶𝗻𝗴 𝗿𝗶𝘀𝗸 🌱 For anyone relying on a pension, sequencing risk is a vital, yet often overlooked, concept. This refers to the impact that the order of returns has on your portfolio’s longevity. Here’s why it matters: 👉 𝙏𝙞𝙢𝙞𝙣𝙜 𝙤𝙛 𝙍𝙚𝙩𝙪𝙧𝙣𝙨: If market downturns hit early in retirement, you may need to sell assets at lower prices to fund withdrawals. 👉 𝘼𝙘𝙘𝙚𝙡𝙚𝙧𝙖𝙩𝙚𝙙 𝘿𝙧𝙖𝙬𝙙𝙤𝙬𝙣: Selling assets in a shrinking portfolio can lead to rapid depletion of funds. We can’t control markets… or even predict them very well… but we can adopt strategies to help 𝙢𝙞𝙩𝙞𝙜𝙖𝙩𝙚 this risk: 📌 𝘿𝙞𝙫𝙚𝙧𝙨𝙞𝙛𝙮 𝙞𝙣𝙘𝙤𝙢𝙚 𝙨𝙩𝙧𝙚𝙖𝙢𝙨 📌 𝘼𝙙𝙟𝙪𝙨𝙩 𝙬𝙞𝙩𝙝𝙙𝙧𝙖𝙬𝙖𝙡 𝙛𝙡𝙚𝙭𝙞𝙗𝙞𝙡𝙞𝙩𝙮 during volatile years 📌 𝙈𝙖𝙞𝙣𝙩𝙖𝙞𝙣 𝙖 𝙘𝙖𝙨𝙝 𝙗𝙪𝙛𝙛𝙚𝙧 for short-term needs While the sequence of returns may be beyond our control, understanding its effects can lead to more resilient decision-making for the future. ———————————————————— 𝘛𝘩𝘪𝘴 𝘱𝘰𝘴𝘵 𝘪𝘴 𝘧𝘰𝘳 𝘦𝘥𝘶𝘤𝘢𝘵𝘪𝘰𝘯𝘢𝘭 𝘱𝘶𝘳𝘱𝘰𝘴𝘦𝘴 𝘰𝘯𝘭𝘺 𝘢𝘯𝘥 𝘥𝘰𝘦𝘴 𝘯𝘰𝘵 𝘤𝘰𝘯𝘴𝘵𝘪𝘵𝘶𝘵𝘦 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘢𝘥𝘷𝘪𝘤𝘦.

As an industry… we’re awash with data, yet trustees (and some would say Regulators) still struggle to pinpoint what truly drives better outcomes for pension scheme members. The FCA’s Value for Money framework offers a start by making comprehensive data available on investment performance. However, data without context is simply not enough. We believe that the ultimate goal for trustees should be to maximise the terminal value of each member’s retirement pot – in pounds and pence. Our proprietary SPERO® scoring and ranking framework gives trustees the power to compare investment strategies through a clear lens, focusing on potential retirement outcomes instead of mere volatility metrics. By using tools like Monte Carlo simulations, trustees can assess a scheme’s resilience against market changes and test risk/return ratios based on potential outcomes. We need to empower trustees and provide them with the necessary tools to make data-driven decisions. Understanding the trade-offs between asset allocation, volatility, and long-term outcomes is central to driving member value. This is the foundation of modern, effective pension management.