Charting a course by Wes Moss
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charting a course
![WES MOSS, CFP
Chief Investment Strategist
CAPITAL INVESTMENT ADVISORS, INC.
[insert your bio or company information] Capital
Investment Advisors is a fee-only financial advisory
and portfolio management firm based in Atlanta.
Since 1994 Capital has been providing clients with
financial strategy and management tailored to the
client’s individual circumstances and objectives
rather than advisor incentives or commissions.](data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7)
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Charting a course by Wes Moss
- 1. CHARTING A COURSE A G U I D E TO R E T I R EME N T/ I N V E S T I N G P L A N N I N G PRESENTED BY: WES MOSS, CFP
- 2. WES MOSS, CFP Chief Investment Strategist CAPITAL INVESTMENT ADVISORS, INC. [insert your bio or company information] Capital Investment Advisors is a fee-only financial advisory and portfolio management firm based in Atlanta. Since 1994 Capital has been providing clients with financial strategy and management tailored to the client’s individual circumstances and objectives rather than advisor incentives or commissions.
- 3. WHO NEEDS PLANNING? People in their 30s who are finishing student loan and credit card payments… People in their 40s who are saving for retirement and planning for education costs… People in their 50s who are saving for retirement and paying for college… People in their 60s who are “officially” retiring from work… Everyone!
- 4. Written Financial Plan Successful Retirement Risk Planning Accumulation Bucket Approach Monitor & Review Your Progress Fill Buckets
- 5. ASSIGN INVESTMENT GOALS Pre-Retirement (Phase I) Accumulation Long-term growth Consistent savings Time to recover Post-Retirement (Phase II) Distribution Current income NO savings Lack of recovery time Written Financial Plan
- 6. MAPPING THE ROUTE TO YOUR DESTINATION… Emergency Cash Savings 3-6 months fixed expenses Home Purchase Generally biggest investment Career Change? Possible IRA Rollover Pay for Kid’s College? Generally 2nd biggest investment Increased Savings Years Post kids college, generally mid-50s Written Financial Plan Today… Retirement ?
- 7. UNDERSTANDING RISK/REWARD Risk Planning Cash Income Growth Cash Income Growth HIGH LOW
- 8. HIERARCHY OF INVESTMENT SAVINGS Taxable Investments Fund brokerage account Max out 401k Max out 401k Roth IRA Fully fund Roth IRA Match 401k Match employer contributions Emergency Cash Savings 3-6 months fixed expenses Accumulation
- 9. YOUR BUCKETS… Cash • Emergency needs • Sleep-well-at-night cash Income •Manage volatility • Ensure you are generating enough income to live on Growth • Counter inflation and appreciate capital over time Bucket Approach Cash Income Growth
- 10. YOUR BUCKETS… Cash • Emergency needs • Sleep-well-at-night cash Income •Manage volatility • Ensure you are generating enough income to live on Growth • Counter inflation and appreciate capital over time Fill Buckets Cash Income Growth
- 11. MANAGE YOUR ALLOCATION “Know what you have and why you need it…” Income Growth Cash PHASE I Cash •Emergency needs • Sleep-well-at-night cash Income •Ensure you are generating enough income to live on Growth •Counter inflation and appreciate capital over time Monitor & Review Your Progress
- 12. MANAGE YOUR ALLOCATION PHASE II “Know what you have and why you need it…” Income Growth Cash Cash •Emergency needs • Sleep-well-at-night cash Income •Ensure you are generating enough income to live on Growth •Counter inflation and appreciate capital over time
- 13. ECONOMIC/INVESTMENT DATA 7 6 5 4 3 2 1 0 Year 1 Year 2 Year 3 Year 4 Returns Insert Your Own Timely Data Bonds Cash Stocks
- 14. SUCCESSFUL RETIREMENT Assess what phases of the investment cycle you have accomplished… If you’re ready to move forward, you can visit Fidelity, Schwab, Vanguard, or [insert firm name] for help. Don’t feel comfortable working alone? Visit www.napfa.org to locate a Fee-Only Advisor in your area. Wes Moss, CFP® Chief Investment Strategist Capital Investment Advisors, Inc. 200 Sandy Springs Place, Suite 300 Atlanta, GA 30328 404-531-0018 www.yourwealth.com
Hinweis der Redaktion
- I think that every presentation regarding finance or investments has to be grounded in some type of metaphor. The right metaphor allows the audience to feel immediately comfortable with the presentation even though they may not have much prior knowledge on the subject matter. To me, sailing has always seemed to provide just the right terms to describe both the planning and patience required of a successful investor. Whether it be “charting the course” of an investment plan or having the patience required to navigate choppy markets, sailing and investing can make for a compelling presentation. Disclaimer: You understand that Microsoft does not endorse or control the content provided in the following presentation. Microsoft provides this content to you for informational purposes only; it is not intended to be relied upon as business or financial advice. Microsoft does not guarantee or otherwise warrant the accuracy or validity of this information and encourages you to consult with a business or financial professional as appropriate.
- As one of the largest fee-only investment managers in the state of Georgia, our job is to help you chart out your own course to retirement. Here, presenters should place their credibility statement, education, title, and/or years of experience.
- This slide lets the audience know that everyone is at “some stage” of retirement planning.
- This slide lays out the overall objective of the presentation; which is how to achieve or start working towards a “successful retirement”. It starts with a “written financial plan”, and moves clock-wise – all centered around the main goal. On this continuum, buttons can be added or removed, depending upon the financial professional giving the presentation. A successful retirement plan has many moving parts and each of them must serve a unique function in carrying you to retirement. Regardless of your situation, the journey to retirement is likely dotted with some storms and choppy seas along the way. Here, I have laid out what I believe to be the very basic principles necessary for any successful retirement plan.
- This slide begins with “written financial plan”, which is a critical step in being able to navigate any path towards retirement. In any financial presentation, it is important to help the audience establish and understand their goals. Understanding this process is to “chart the course” for each individual in the room. Every financial professional should have a different take on this, but typically there will be between two and three planning phases for a given audience/client. If three goals are needed, you can simply add to the graphic. Financial professionals should feel free to customize the language labeled in bullet points for each phase. Note: To add another goal to the SmartArt graphic on this slide, click in the graphic to activate the SmartArt text pane. Click at the end of the last bullet in the pane, press Enter, and the press Shift+Tab to start another first-level bullet. A new section will be added to the graphic automatically and existing elements automatically resized. To add the items under the new goal, press Enter in the text pane to create a new paragraph and then press Tab to demote the new paragraph to the second level.
- This slide illustrates more of a timeline or progression for completing major savings during the course of an investor’s lifetime. The slide serves to answer the age-old question, “Where am I now and where do I start?”.
- This is a visual that should be discussed with the audience. It describes the relationship between risk and reward. Notice that the relationship between the two is very familiar; the higher the risk an investment carries, the higher your potential payoff will be. Likewise, lower risk investments carry little or no reward. This slide is an extremely simple explanation of the risks involved in different investments, but it is important to understand the basics before you move forward.
- As you’re accumulating, this is a logical order in which to contribute to your commonly-used retirement savings vehicles. Financial professionals should feel free to customize their own hierarchy so that the audience has a clear, visual understanding of how investment “blocks” should build on each other.
- “The Bucket Slide” The bucket slide helps investors think about asset allocation (a complex concept) in a simplified, easy to understand graphic. Nearly all investors will want some combination (on a percentage basis) of these three major asset categories. This slide establishes two important visuals for the audience: Buckets help to segregate and simplify specific investment categories that will serve certain needs and objectives throughout an investment plan’s lifecycle. The arrows will delineate movement or rebalancing of funds depending upon the advisor’s recommendation.
- Once you have figured out your risk tolerance, investors/advisors will have a map to “filling your buckets”. For instance, Advisor A may recommend income from bucket two in order to fill bucket three. Advisor B may take that same income from bucket two and move to bucket one. Note the double sided arrows representing a potential movement between financial buckets/categories. In addition to the three buckets, presenters should determine how much each bucket should appear to be “filled”, giving them the freedom to emphasize individual buckets more than others.
- This slide illustrates a potential (generic) investment mix that world be suitable for “Phase I”, and correlates back to the previous “bucket slide”. Phase I could be considered the “beginning of the journey”.
- This slide illustrates a potential (generic) investment mix that world be suitable for “Phase II”, and correlates back to the “bucket slide”. Phase II should be considered to be the “latter part of your journey”.
- The last set of slides in any investment presentation should include some sort of historical or current economic data to support the topics converged in the body of the presentation. This should typically be between two and four supporting slides taken from various financial publications and research papers (and may need to be scanned/imported). Depending on your audience, it may be best to use data that illustrates current economic trends or long-term trends in the performance of different asset classes.
- This slides provides a call to action for the audience. There will be members of the audience that need additional help with their own personal planning. This slide gives them resources to do so on their own, or come to you as a professional for help.