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“What is the retirement goal regarding wants and needs?” That is the critical question that Couture Financial asks their clients to ensure retirement resources meet or exceed expectations. In many cases it’s a matter of balancing wants and needs. “Many don’t recognize the differences,” says
Managing Retirement Fears Step 2 – The Tools
Because Couture Financial has mastered the art of active asset management (hedging during bear markets and proactive during bull markets), many of their clients were protected against major loses. However, many of Couture’s new clients while working with other advisors were not so fortunate, but there is hope. Couture Financial will gather the information, crunch the numbers, forecast future income and expenditures, and provide the roadmap for successful retirement.
“It’s not rocket science, but there are a lot of moving parts,” says
Some of those suffering with retirement fears are concerned about:
• Do current spending habits provide any savings for future?
• Do current resources provide for future income growth?
• Are resources available for unexpected circumstances?
Managing Retirement Fears Step 3 – The Process
Couture financial has several clients that require total financial planning but many others have specific areas of financial interest such as retirement planning. Couture’s financial advisors have a detailed process that works well to help many, who are tittering on the fringe of total financial disaster, find peace.
The process usually takes two to three sessions, either face to face or over the phone, and is pretty simple, says
• Determine all sources of income & revenue
• Determine longevity of income & revenue sources
• Create detailed listing of “ALL” expenditures
• Evaluate ‘continuous’ versus ‘short term & temporary’ expenditures
• Evaluate ‘needed’ versus ‘discretionary’ spending
At Couture Financial we run detailed data organizers that help us forecast income and expenditures based on the time expectations and risk; and we accurately plan.
After all is said and done, according to
Legal Disclaimer: A financial plan’s success is dependent upon many factors, and not all financial plans result in successful outcomes. All investments involve different degrees of risk and may gain or lose over time.
Read the full story at http://www.prweb.com/releases/2011/6/prweb8449351.htm