Whether you roll your proceeds into a Rollover IRA or your 401(k), you’ll need to develop an investment plan for the account. Every investment plan should be a personal expression of the goals you have selected based on your own objectives.
Your investment plan should consider your age, your risk tolerance, your expected timeline for retirement, your charitable plans, and any other cash flow requirements you anticipate.
TYPICALLY AN INVESTMENT STRATEGY IS MADE UP OF FOUR COMPONENTS:
- Asset Location – What kind of account will you hold your assets in? Rollover IRA, 401(k)?
- Income Needs – Will you need income from your portfolio to maintain your lifestyle? How much income will you need?
- Risk Tolerance – A critical question is how much risk can an individual feel comfortable with? All investments have some kind of risk associated with it. Understanding those risks and balancing them appropriately is a fundamental benefit of building an appropriate investment strategy.
- Asset Allocation – Every investment plan should provide an appropriate balance of stocks, bonds and cash to provide a client with a suitable return while balancing risk tolerances, income needs, and overall goals.
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Jessica Malone is not affiliated with Raymond James.
Please note: changes in tax laws may occur at any time and could have a substantial impact upon each person's situation. While we are familiar with the tax provisions of the issues presented herein, as Financial Advisors of RJFS, we are not qualified to render advice on tax or legal matters. You should discuss tax or legal matters with the appropriate professional.
Fulton Financial Advisors and Clermont Wealth Strategies operate through Fulton Bank, N.A. and other subsidiaries of Fulton Financial Corporation and are headquartered at One Penn Square, Lancaster, PA 17602.
Fulton Financial Advisors and Clermont Wealth Strategies operate through Fulton Bank, N.A. and other subsidiaries of Fulton Financial Corporation, including Fulton Insurance Services Group, Inc. The Advisors at Fulton Financial Advisors and Clermont Wealth Strategies offer a broad array of financial products and trust and retirement services some of which are provided through ValMark Securities, Inc., and/or Raymond James Financial Services, Inc., independent and unaffiliated registered broker/dealers, Members FINRA/SIPC; and/or Executive Insurance Agency, Inc., and/or Specific Solutions, Inc., unaffiliated licensed insurance agencies; Investment advisory services offered through Raymond James Financial Services Advisors, Inc. and/or ValMark Advisers, Inc., unaffiliated investment advisory firms registered with the SEC. Raymond James Financial Services, Inc. is not affiliated with Specific Solutions, Inc., Executive Insurance Agency, Inc., ValMark Securities, Inc., ValMark Advisers, Inc., Clermont Wealth Strategies, Fulton Financial Advisors, Fulton Bank, N.A., Fulton Financial Corporation or any of its subsidiaries. Neither ValMark Securities, Inc., ValMark Advisers, Inc. nor Executive Insurance Agency, Inc. is affiliated with Clermont Wealth Strategies, Specific Solutions, Inc., Fulton Financial Advisors, Fulton Bank, N.A., Fulton Financial Corporation or any of its subsidiaries.
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