Money Management Process

Money Management

Money management is an important part of long term financial planning.  A money management strategy should take into consideration the following:

  • Short-term and long-term cash and/or income needs.

  • The time horizon for cash and/or income needs.

  • Asset allocation options and strategies.

  • The desired rate of return compared to asset allocation expected rate of return.

  • Tolerance for risk or volatility compared historical risk or volatility of various asset allocations.

I do not manage money in any form.  I do provide with information and analysis on your money management objectives including:

  • Asset allocation options and strategies.

  • Analysis of short-term and long-term cash needs in light of various asset allocation options and strategies.

  • Desired return compared to the expected return.

  • Acceptance of risk or volatility with current or possible asset allocation strategies.

I do not receive compensation from any investment company or a third-party money manager.  At the client’s request, I do provide information on various investment options including fixed annuities, variable annuities, annuities with living benefit riders, immediate annuities, mutual funds, exchanged traded funds, individual stocks, and bonds, investment managers.