Investments: Asset Allocation through the years

Asset allocation refers to dividing an investment portfolio among different asset classes.  Since different asset classes react to changing market conditions in different ways, appropriate asset allocation can help you maintain confidence through economic ups and downs and even increase your potential for better returns over time.

Factors to consider when making an asset allocation include:

·         Financial goals – why are you investing?

·         Time horizon – when will you need the money?

·         Liquidity – how quickly will you need to cash out your assets?

·         Risk tolerance – how willing are you to take on the volatile nature of investing?

Asset allocation decisions that are made with care are not likely to change from year to year, but rather over the decades as you travel through each stage of life. 

For illustrative purposes, let’s separate an investor’s life into four specific stages– Accumulation, Consolidation, Spending and Transferring—and review typical scenarios for each stage and how asset allocation is impacted. 

Remember:  each investor is unique, both in needs and emotions.  A financial advisor can help you devise an asset allocation strategy based on your objectives and goals.    

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2013 Tax Reference Guide

Our Tax Reference Guide has been updated to reflect the new taxes and provisions for 2013.    Consult this guide for:

• Current tax brackets
• Standard deductions
• Personal exemptions
• Long-term capital gain and qualified dividend rates
• Pension plan limits
• And more

Click here to download 2013 Tax Reference Guide