Many people are aware of the financial risks they face, yet have done little to address the issues in ways that will make a difference in their long-term financial security. According to the Employee Benefit Research Institute in their most recent 2010 study, a little more than half of full-time working Americans (54.4%) participate in a retirement plan. Indeed, even if you have a pension that seems fairly solid, a 401(k) or both, you could still be at financial risk if your overall portfolio is not optimized for performance.
Working with a financial consultant can help ensure that your employer- and non-employer-based assets complement one another, not duplicate. Based on risk profile and time horizon, we seek to maximize performance and reduce risk through overall portfolio diversification. This may include recommendations for adding asset categories like real estate or international funds, where these have a low or negative correlation to other holdings.
We factor into our analyses the costs of healthcare and long-term care, which include the financial burdens a client may assume in connection with caring for an elderly parent. We also explain the roles of Medicare, Medicaid, retiree health benefits and private health insurance in the overall financial plan.
P.O. Box 8 | 636 Ash Flat Dr.
Ash Flat, AR 72513
direct phone 870.257.1811
NO BANK GUARANTEE | NOT A DEPOSIT | NOT FDIC INSURED | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY | MAY LOSE VALUE
All Securities and Advisory Services offered through Investment Professionals, Inc. (IPI), a Registered Broker/Dealer & Registered Investment Advisor and member FINRA & SIPC. The investment services offered by IPI under the name Investment Professionals are in no way affiliated with or offered by FNBC Bank, nor is FNBC Bank a registered broker/dealer. Customers working with Investment Professionals will be dealing solely through IPI with respect to their investment, brokerage and securities transactions. IPI does not offer or provide legal or tax advice. Please consult your attorney and/or tax advisor for such services. The products offered by Investment Professionals, Inc. are not insured by the FDIC, the NCUA or any other agency of the government, are not deposits or other obligations for the bank or guaranteed by the bank and involve investment risks, including possible loss of principal amount invested.