RISK MANAGEMENT

No financial plan is complete without an examination of the risks in your portfolio. There is no such thing as risk-free. Even guaranteed accounts, such as certificates of deposit and fixed annuities, have risks.

In a world where many people spend more time planning vacations than planning for retirement, the so-called ‘golden years’ can be anything but golden. While life is also about balance, enjoying today while being prepared for the 15, 20, 25 or even 30 years of your retirement means a balance of short term desires against a longer term view.