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Bogue Asset Management’s Quarterly Investment Letter      

In this commentary, I discuss how it feels good to see positive market returns as compared to the losses in the fourth quarter.  However just as I would not use last years losses when projecting out over the coming years, it is equally important to temper my expectations on the upside after this years quarters strong rebound.........[See More]

    

How your advisor is compensated does matter.  Lately there has been a blurring of the lines with the use of the term “Fee-Based” to describe how one is compensated.  I’ll tell you why Fee-Based is not Fee-Only and the difference can be substantial: [See More]

 

    

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Retirement Accumulation Planning

The Retirement Accumulation Stage of Financial Planning involves the stage of your life where you are building up assets for your retirement.  This can include:

- Defining how you want to live the rest of your life
- Determine if you want to retire completely or downshifting careers in the later years of your life
- Coaching you to determine your risk tolerance and how to manage expectations about the financial markets
- Determining how much you need to invest on a periodic basis
- Determining your required rate of return in your investment strategy, the corresponding allocation of stocks, bonds and cash to meet this required return and if this is aligned with your tolerance for risk
- Making the best use of taxable, tax-deferred and tax free accounts to maximize your after-tax rate of return
- Adjusting the risk/return level of the portfolio; eliminating risk when not needed and only increasing risk if needed (ongoing client engagements)
- Early retirement strategies