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Wrapping Up One Year and Beginning Another

Happy-New-Year-Images-2018-HD-1-1Financial check-ups much like medical check-ups serve an important purpose. To ignore either may place a person in peril.  So let’s get started:

  • Are the provisions of your will current?  Do they accurately reflect your current intentions for disposing of your assets?
  • Are your beneficiary designations for retirement plans, IRAs, life insurance, etc coordinated with your will provisions?  Remember beneficiary designations override will provisions.  Check all beneficiary designations to make certain they actually are as you remember them to be.
  • Do you have a long-term financial plan for you and those who are financially dependent on you?
  • Are you saving enough?
  • Have you selected the tax appropriate investment vehicles for your savings – IRA, Roth IRA, 401(k), taxable investment accounts?
  • Is the asset allocation of your investment portfolio appropriate considering your risk profile – your need, ability and willingness to take stock market risk?
  • Should you make a current contribution to a 529 College Savings plan for your children or grandchildren?  Alabama offers an excellent plan.  We will be glad to help you open new 529 accounts.
  • Do you have your investment emotions in check?

Resolutions For A New Year:

  • I will not forget that owning a share of stock is actually owning a piece of a company organized and managed to provide goods and services to its customers and make profits for its owners – me.
  • I will watch and read financial news for entertainment purposes and not for investment advice.
  • I don’t know more than the market.
  • I accept that what is happening in the market now will change.  I just don’t know when, in what direction, and for how long.
  • I trust the financial science upon which my investment portfolio is based.
  • I won’t let emotions control my investment behavior.  I will remain emotionally neutral and stick to my investment plan.
  • I plan to enjoy life.

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