Determining the right investment plan for you usually comes at the end of your financial planning process. After an extensive review of your current situation, assets, debt, income, and future goals, the final step is to select the correct mix of investments. This is your asset allocation, and it is designed to keep your plan […]
Read More… from Keeping Your Balance: Lowering Volatility and Managing Risk
Working at a startup is rewarding for many reasons – building something from scratch, collaborating with colleagues to turn an idea into reality, and potentially changing an industry or a market for the better. If you own company stock, the initial public offering (IPO) is the chance to monetize all your hard work. But understanding […]
Have you ever experienced an emergency where you needed to spend money that you hadn’t planned to spend? That’s where your emergency fund comes in! Depending on your goals, it is important to save and invest for the future, but also, you will want to keep some of your money in cash in case you […]
Read More… from Why should I keep money in an emergency savings fund?
Saving money for your future doesn’t mean you have to sacrifice the present and stop doing the things you love, like traveling! When saving into taxable investments and retirement accounts, we are often thinking about our future. Having money for retirement, when we probably will not have a steady or strong inflow of cash, is […]
Read More… from Doing What You Enjoy While Managing Cash Flow and Investing
Over the last couple of years inflation has risen, increasing the cost of our day-to-day expenses. We can definitely feel the burden of spending on the same things, but having less money left over to save. This can cause worry as we feel uncertain about our financial plan and future. At Willow Planning Group, we […]
Read More… from Small Changes, Big Impact for Managing Cash Flow in Today’s Economy
The stock market lost over 10% of its total value in a single day in March 2020. While many investors sold out of their positions, those who held on and continued investing were rewarded, heavily. In just 354 days following the crash, the stock market, as represented by the S&P 500, surged back into a […]
An important role of a financial planner is creating a diversified portfolio that has the potential to meet your financial goals. But the most critical factor in achieving them may be to ensure that you stay on plan and remain invested for the time horizon. The benefits that accrue to the patient investor – the […]
The first step in creating a balanced portfolio is to realize that the “balance” doesn’t refer to the investments contained in the portfolio – it refers to the goals, preferences, and risk tolerances of the investor. Investing is about increasing the return on your money over time to potentially higher levels than can be obtained […]
When it comes to finding balance in your spending, standard advice says that you need to make a budget. How successful is that? One survey found that 74% of consumers say they have a budget, yet 79% fail to follow it. So, how can we flip the script on this story? We break down how […]
This month we are starting discussions with our clients for 2022 planning. Part of this discussion is optimizing for this year. Many are on track to achieve their financial goals. Heading into the last quarter of the year, we want to review the details of their plan to support these goals. Here are a […]
Read More… from You are on track to reach your goals, but are you optimized?
