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Investment Management

“I’m an intelligent person. I run my own business. I decide who to market my products to & the best means of distribution. But, I hired a carpenter to build my house, a mechanic to work on my car, and someone else made these clothes I’m wearing. I certainly don’t have the time, the interest or think I’m competent enough to make investment decisions for my long term savings.”

Financial Life Planning / Investment Management / Retirement / Special Needs Planning / Budgeting & Consultation / Why NextStep is different

Some people enjoy handling their own investments. A large part of what

NextStep Financial Planning does is assist those people with strategy and research to stay on-track with their own style of investing. On the other hand, many people don’t have the time, inclination, or interest to do research and invest on their own. Yet, most people have been forced to invest on their own through retirement savings vehicles like 401k accounts.


While many investors may make disciplined investing decisions built on a solid strategy. More often than not their decisions are unrelated to a strategy, and lead to a “helter-skelter” kind of portfolio, with disappointing results. The investment decisions you make today will have a dramatic impact on the amount of wealth you
“I enjoy investing, but sometimes I’m my own worst enemy. I get excited by a sector - get over-concentrated - and then hang on too long. Or I get in too late and am forever waiting to recover my losses. Then again, sometimes I do pretty well, but I don’t want to take that kind of roller coaster ride with my core savings. If I know someone is managing the risk on my most important long-term savings, I’m free to be more aggressive and have a little fun with a smaller piece of my investments.”
have saved to meet your long-term goals.


NextStep Financial can manage your long-term assets to meet
“Suddenly I turned around & my 401k was down almost 60%! What happened? Those funds always did well before. I can’t afford to loose that much this close to retirement.”
your most important goals, and manage your risk. A written Investment Policy Statement is developed based on your goals, risk tolerance, time horizons, income needs, and individual preferences. This Investment Policy Statement is a mutual agreement which guides the specific future trading decisions made on your behalf. With a focus on diversification, and an eye toward reducing your costs, investments are allocated in up to 15 asset & sub-asset classes, and tailored around your current holdings by using Exchange Traded Funds (ETFs), index funds, no-load actively managed mutual funds, bond funds, and individual bonds.


 

Learn about Retirement Planning

In this hypothetical example, each person invested $10,000, at the start of each year, for the time indicated. The example assumes returns of 7.1% a year, before taxes. It does not represent the return of any particular investment.