Asset Accumulation

It is important to develop a defined and disciplined approach to specific savings goals. We work with clients in addressing the following key elements:

• Identify specific savings goals – college, retirement, major purchases, vacations, etc.
  
• Define the target dates for your goals – short, intermediate or long term
  
• Develop and maintain an emergency reserve fund for short term liquidity
  
• Eliminate short term debt such as credit cards
  
• Efficient management of long term debt such as a home mortgage
  
• Understand the relationship between risk and reward – what is your comfort level with investment volatility, especially related to the target dates of your goals
  
• Take full advantage of tax deferred plans – 401(k), 403(b), TSA, deferred compensation – especially if employer matching is available
  
• Selection of appropriate investments and recommendation of an asset allocation strategy consistent with your goals