I have often been asked what characteristics make a good investor. My answer has always been a combination of patience and humility.
Our country is currently facing a conflict that could resolve quickly or last longer than expected. Depending on how events unfold, it may or may not have meaningful economic consequences.
As a firm, our view is that no one can know with certainty how any geopolitical or economic event will play out. For that reason, humility is important. We do not believe it helps investors to make allocation decisions based on the events of the moment. More often than not, those reactions lead to decisions that harm long-term investment results.
Instead, we believe a sound allocation should be based on your personal risk tolerance, your investment time horizon, and the liquidity you may need for near-term expenses. Your allocation should not change dramatically as world events evolve. It should change only as your personal needs or life circumstances change.
Key Blind Spots Addressed
A well-constructed portfolio should also include a mix of complementary assets designed to help weather a wide range of economic conditions and outcomes.
Your portfolio was built with this type of environment in mind, as well as many others that may arise. This does not mean you will avoid declines along the way, but it does mean your portfolio is structured to pursue a positive outcome over your investment horizon.
As bad as this event is, there will unfortunately be countless other negative geopolitical and economic events over your investment horizon. Often, there are multiple such events each year.
There will always be moments that feel like the “big one,” events that seem to demand a major change in strategy.
That is where patience comes in. Patience to trust the allocation and the process, knowing your portfolio was designed around your unique circumstances and built with resilience in mind.
I was on fire - almost
4. Managing Surcharges on Investment Income: Even small income changes can trigger surcharges on long-term capital gains or qualified dividends. We work to keep clients below those thresholds whenever possible.
5. Georgia Retirement Income Planning: For Georgia residents, we help develop a plan to fully take advantage of the state’s retirement income tax exemption starting at age 65.
6. Bracket Management for Retired Couples: With retired spouses, we often maximize the Georgia exemption while keeping total income within the 12% federal tax bracket—creating tax-efficient income streams.
Final Thoughts
I am not suggesting patience is easy; far from it. That is why we will be relentless in our communication with you. We will always want to speak with you and listen to your needs and concerns. We always want to make sure that your plan is properly suited to your needs and your changing life circumstances.
If you have questions about your portfolio, current events, or simply want a second opinion on your financial plan, please do not hesitate to reach out. We are always happy to have a conversation.
Yes, we can help with that.
- Check Lorem ipsum dolor sit amet, consectetur adipisicing elit, sed do.
- Check Lorem ipsum dolor sit amet, consectetur adipisicing elit, sed do.
- Check Lorem ipsum dolor sit amet, consectetur adipisicing elit, sed do.
- Check Lorem ipsum dolor sit amet, consectetur adipisicing elit, sed do.
And Now …
Today, 10 years later, our practice has grown considerably. We have phenomenal clients, a great team, and our practice is still part of the Integrated Financial Group. During this time, we have helped individuals and families with their estate planning, investment planning, executive compensation planning, retiree tax planning, and insurance planning. These are just a few of the areas we focus on for our clients.
I eventually got my drivers’ license (at the ripe age of 27), married my lovely wife, Wendy, and purchased a home in Woodstock GA complete with a fire extinguisher on each floor and a built-in sprinkler system.
Working with my amazing team to best service you has been the ultimate privilege. Our team will continue to expand our range of offerings with the goal of responding to all your financial planning needs. We will also make sure to do so without ever letting up on our service and responsiveness to you.
Thank you so much for being part of this journey.
Most investments are meant to be long term. Always evaluate whether the time horizon required for an investment to succeed matches your timeline for liquidity.
Imagine in mine and Wendy’s case if the doors and the windows locked just as we were trying to leave or that someone came down the stairs just as we were wandering around the main level.
Our motto is “we can help you with that.” We will collaborate with you on any financial decision you make, engaging other subject matter experts when necessary. We will not stop until we get things right. We encourage you to reach out to us for assistance in making important financial decisions and we always appreciate you recommending us to others.
by Hetmayar
Authored by Gary Alpert
Tracking ID: 1081403
Lorem ipsum dolor sit amet, consectetur adipisicing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum. Sed ut perspiciatis unde omnis iste natus error sit voluptatem accusantium.
Lorem ipsum dolor sit amet, consectetur adipisicing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum. Sed ut perspiciatis unde omnis iste natus error sit voluptatem accusantium.
