Investment Management
Stocks, Bonds, Large-cap, Small-cap, Micro-cap, ETFs, REITs, FIAs. Investing today can feel like making your way through a complex maze of jargon and acronyms.
Your common questions answered
Which investments are right for you? How do you get the best possible return with a minimal level of risk? How do you eliminate the uncertainty and anxiety from investing?
These are common questions with no universal answers. The answer to all of these questions (and more) starts with four words:
It depends on your...
- Tolerance for Risk
- Investment Timeline
- Financial Goals
- Need for Liquidity
- Tax Situation
...and on a wide range of other factors that influence your specific investment strategy.
On average, Social Security represents 30% of a retired person's income. However, 37% of men and 42% of women receive more than 50% of their income from Social Security.
Even if you won't be completely reliant on Social Security for income, it's likely that the program will be a major piece of your retirement income puzzle.
At Aspire, we analyze your Social Security options to help you make an informed decision on when to file for benefits. While every situation is different, there are a few options to consider as you approach filing time.
An important factor in your filing decision is your full retirement age (FRA). This is the age at which you can file and receive your full Social Security benefit.
At Aspire, our job is to get to know you and gain an understanding of your goals, needs, and concerns. From there, we can help you better answer these questions and develop a tax strategy.
Here are some of the factors we consider when developing your investment strategy:
Time Horizon
How long do you have until you need to use the money? If you're approaching retirement in the next five years, your investment strategy will likely be different than someone who is retiring in 30 years.
The longer you have until you need the money, the more risk you may be able to tolerate because you have time to recover from temporary
Risk Tolerance
Not everyone has the same comfort level with risk and volatility. Perhaps you're aggressive and are willing to take on more risk if it leads to higher returns. Or maybe you're the exact opposite - you're willing to accept less return if it means lower risk and volatility. Many investors fall somewhere in between.
Our job is to find the right balance between risk and return for your tolerance. We want to achieve returns, but not at a risk level that causes stress and anxiety. We find the correct balance and help you implement a strategy that's right for you.
Tax Needs
Investment strategy and tax strategy often go hand-in-hand. Gains in your investment portfolio can have a direct impact on your tax exposure. Depending on your needs, we may recommend and implement a variety of tax-advantaged strategies, like:
Tax-deferred vehicles like traditional IRAs, annuities, and more. Potentially tax-free income vehicles like Roth IRAs or municipal bonds. tax-management strategies like capital gains planning and coordination.
If your current investment strategy doesn't consider tax outcomes, you could have a gap in your planning.
At Aspire, our job is to get to know you and gain an understanding of your goals, needs, and concerns. From there, we can help you better answer these questions and develop a tax strategy.
Here are some of the factors we consider when developing your investment strategy:
Time Horizon
How long do you have until you need to use the money? If you're approaching retirement in the next five years, your investment strategy will likely be different than someone who is retiring in 30 years.
The longer you have until you need the money, the more risk you may be able to tolerate because you have time to recover from temporary
Risk Tolerance
Not everyone has the same comfort level with risk and volatility. Perhaps you're aggressive and are willing to take on more risk if it leads to higher returns. Or maybe you're the exact opposite - you're willing to accept less return if it means lower risk and volatility. Many investors fall somewhere in between.
Our job is to find the right balance between risk and return for your tolerance. We want to achieve returns, but not at a risk level that causes stress and anxiety. We find the correct balance and help you implement a strategy that's right for you.
Tax Needs
Investment strategy and tax strategy often go hand-in-hand. Gains in your investment portfolio can have a direct impact on your tax exposure. Depending on your needs, we may recommend and implement a variety of tax-advantaged strategies, like:
Tax-deferred vehicles like traditional IRAs, annuities, and more. Potentially tax-free income vehicles like Roth IRAs or municipal bonds. tax-management strategies like capital gains planning and coordination.
If your current investment strategy doesn't consider tax outcomes, you could have a gap in your planning.
Your common questions answered
Which investments are right for you? How do you get the best possible return with a minimal level of risk? How do you eliminate the uncertainty and anxiety from investing?
These are common questions with no universal answers. The answer to all of these questions (and more) starts with four words:
It depends on your ...
- Tolerance for Risk
- Investment Timeline
- Financial Goals
- Need for Liquidity
- Tax Situation
... and on a wide range of other factors that influence your specific investment strategy.
On average, Social Security represents 30% of a retired person's income. However, 37% of men and 42% of women receive more than 50% of their income from Social Security.
Even if you won't be completely reliant on Social Security for income, it's likely that the program will be a major piece of your retirement income puzzle.
At Aspire, we analyze your Social Security options to help you make an informed decision on when to file for benefits. While every situation is different, there are a few options to consider as you approach filing time.
An important factor in your filing decision is your full retirement age (FRA). This is the age at which you can file and receive your full Social Security benefit.
On average, Spcial Security represents 30% of a retired person's income. Howeve4r, 37% of men and 42% of women recieve more than 50% of their income from Social Security.
Even if you won't be completely reliant on Social Security for income, it's likely that the program will be a major piece of your retirement income puzzle.
At Aspire, we analyze your Social Security options to help you make an informed decision on when to file for benefits. While every situation is different, there are a few options to consider as you approach filing time.
An important factor in your filing decision is your full retirement age (FRA). This is the age at which you can file and receive your full Social Security benefit.
At Aspire, our job is to get to know you and gain an understanding of your goals, needs, and concerns. From there, we can help you better answer these questions and develop a tax strategy.
Here are some of the factors we consider when developing your investment strategy:
How long do you have until you need to use the money? If you're approaching retirement in the next five years, your investment strategy will likely be different than someone who is retiring in 30 years.
The longer you have until you need the money, the more risk you may be able to tolerate because you have time to recover from tremporary losses and market volatility. However, if you need the money soon, you may need to embrace a more conservative approach.
Not everyone has the same comfort level with risk and volatility. Perhaps you're aggressive and are willing to take on more risk if it leads to higher returns. Or maybe you're the exact opposite - you're willing to accept less return if it means lower risk and volatility. Many investors fall somewhere in between.
Our job is to find the right balance between risk and return for your tolerance. We want to achieve returns, but not at a risk level that causes stress and anxiety. We want to achieve returns, but not at a risk level that causes stress and anxiety. We find the correct balance and help you implement a strategy that's right for you.
Investment strategy and tax stragey often go hand-in-hand. Gains in your investment portfolio can have a direct impact on your tax exposure. Depending on your needs, we mayn recommend and implement a variety of tax-advantaged strategies, like:
Tax-deferred vehicles like traditional IRAs, annuities, and more. Potentially tax-free income vehicles like Roth IRAs or municipal bonds. Tax-management strategies like capital gains planning and coordination.
If your current investment strategy doesn't consider tax outcomes, you could have a gap in your planning.
Other factors that can influence investment strategy include:
- Income needs
- Goals, both personal and financial
- Future purchasing needs, like college, long-term care, and more.
Not sure if your investment strategy is right for you? Or don't have a defined strategy at all?
Let's talk about it. Contact our team today to start the conversation.
Other factors that can influence investment strategy include:
- Income needs
- Goals, both personal and financial
- Future purchasing needs, like college, long-term care, and more.
Not sure if your investment strategy is right for you? Or don't have a defined strategy at all?
Let's talk about it. Contact our team today to start the conversation.
- Income needs
- Goals, both personal and financial
- Future purchasing needs, like college, long-term care, and more.
Not sure if your investment strategy is right for you? Or don't have a defined strategy at all?
Let's talk about it. Contact our team today to start the conversation.
Other factors that can influence investment strategy include:
- Income needs
- Goals, both personal and financial
- Future purchasing needs, like college, long-term care, and more.
Not sure if your investment strategy is right for you? Or don't have a defined strategy at all?
Let's talk about it. Contact our team today to start the conversation.
On average, Spcial Security represents 30% of a retired person's income. Howeve4r, 37% of men and 42% of women recieve more than 50% of their income from Social Security.
Even if you won't be completely reliant on Social Security for income, it's likely that the program will be a major piece of your retirement income puzzle.
At Aspire, we analyze your Social Security options to help you make an informed decision on when to file for benefits. While every situation is different, there are a few options to consider as you approach filing time.
An important factor in your filing decision is your full retirement age (FRA). This is the age at which you can file and receive your full Social Security benefit.
Let’s talk!
All Rights Reserved | Aspire Wealth Management
Different types of investments involve varying degrees of risk including market fluctuation and possible loss of principal value. There can be no assurance that any specific investment strategy will be profitable. Our firm is not affiliated with the US Government of any governmental agency. Please visit www.ssa.gov for guidance on your individual situation. Our firm does not provide legal tax advice. Please consult a tax and/or legal professional for guidance with your individual situation.
Securities offered only by duly registered individuals through Berthel Fisher Company, LLC (BFC), member
FINRA/SIPC. Investment advisory services offered only by duly registered individuals through Aspire Wealth Management, a Registered Investment Adviser. Insurance offered through Aspire Wealth Management. BFC and Aspire Wealth Management are not affiliated companies.
Tax services are offered through Aspire Tax Center. Berthel Fisher Company, LLC and Aspire Wealth Management do not offer tax or legal advice.
Form CRS | ADV Part 2 |
ADV Part 2 A