Sara and Mark

Biggest Concerns: Not being able to grow enough assets to retire comfortably. Falling short of college savings and leaving kids with large loans. Concerned about how their family would be provided for if either were to die prematurely.

Priorities: Develop a financial plan with an immediate focus on establishing college savings and understanding the impact it has in the future. Make sure retirement savings are adequate and the money is invested properly. Review current life insurance to make sure it’s adequate.

Portfolio Objective: A diverse mix focuses on growth opportunities from a broad array of companies, including traditional growth, cyclical, and out-of-favor, undervalued stocks. The portfolio It aims to provide exposure to growth opportunities outside of the U.S and dividend paying stocks to temper volatility in the overall portfolio.*

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Taking Action

During the first few weeks of Sara and Marks relationship with Clearview Financial Partners, they'll work with their advisor to create a customized financial plan. They'll spend time together and outline their financial information: Income, expenses, annual retirement contributions, social security benefits, account values, home values, debt and more. 

Being a young couple with plenty of time before retirement, the plan will focus on both short term and long term goals. Those stated goals will be outlined in detail through a cash flow report. Without question, these goals change over time which emphasizes the importance of  frequent meetings with their advisor. 

*Stock investing involves risk including loss of principal.

Value investments can perform differently from the market as a whole. They can remain undervalued by the market for long periods of time.

The payment of dividends is not guaranteed. Companies may reduce or eliminate the payment of dividends at any given time.

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. 

See a Sample Financial Plan

How We Measure Risk