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Retirement & Investment - Our Advisor Philosophy

Ride out the rise and fall of the markets.  Be an investor for the long-term.  If you will be withdrawing from your investments in 30 years, stop worrying about the fluctuations of the markets.  Although past performance doesn’t guarantee future results, the long-term direction of the stock market has been up.

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Diversify.   A typical diversified portfolio has a mixture of stocks, fixed income, and commodities. Diversification can work because these assets typically react differently to the same economic event.  Note that diversification does not guarantee a profit or protect against a loss.

Work with your financial advisor to have appropriate investment risk.  In general, those with long-term investment goals can have investments with greater risk and greater possible gains.  Investors that will need their money sooner should consider more conservative investments.


Invest consistently.  When you consistently invest the same amount of money over a period of time you are doing what is called dollar cost averaging.  When the price of your investments is high, you purchase less shares.  When the cost of your investments is low, you purchase more shares. A regular, fixed-dollar investment should result in a lower average price per share than you would get buying a fixed number of shares at each investment interval.  

Work with your financial advisor to rebalance your portfolio periodically.  As your circumstances change, you should rebalance your portfolio so that it reflects your goals.  As you near retirement, you would likely want to adjust to less risky investments, or ones that will pay dividends.


There is no guarantee that any strategies discussed will result in a positive outcome.  You should discuss any legal, tax, or financial matters with the appropriate professional.  All investing involves risk and no investment strategy can guarantee a profit or protect against loss, including the potential loss of principal.  A plan of regular investing does not assure a profit or protect against loss in a declining market.  You should consider your financial ability to continue your purchases over an extended period of time.

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