Good Financial Reads: Tying Your Goals to Your Finances

2 min read
December 11, 2020

Tying Your Goals to Your Finances

A Common Sense, Goals-Based, Approach to Your Investment Plan

by Massi De Santis, DESMO Wealth Advisors, LLC

Stocks and bonds make the foundation of most investor’s portfolios. Most investors intuitively understand that the split between stocks and bonds represents the risk-return tradeoff they are willing to make with their savings. A higher allocation to stocks means potentially higher returns but also a greater risk of large losses.

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Why Your Goals Should Guide How You Invest. Here Is How To Do It.

by Massi De Santis, DESMO Wealth Advisors, LLC

Setting goals is an efficient way to accomplish almost any task.  Ask any athlete, sport or life coach, teacher, or financial advisor. In financial planning, meaningful goals are the emotional payoff that helps us delay gratification and stick with our plan to achieve what really matters to you.

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How to Align Your Retirement Plan to Your Goals

by Massi De Santis, DESMO Wealth Advisors, LLC

A big concern for people seriously thinking about retirement is whether they are on track for the retirement they want. The question is particularly relevant today as financial gurus talk about a possible new normal, with low-interest rates potentially indicating low future returns. Consider this situation: You set a goal, estimate your annual savings towards retirement, and have a target year in mind. You use a retirement calculator and find that at the current rate of savings, you fall short of your goal. What do you do?

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It’s 20 (40) years until I retire! How do I save and invest for the between-now-and-then? (Video)

by Meg Bartelt, Flow Financial Planning, LLC

We’re pretty good at saving for the long term (retirement). We have our 401(k)s and IRAs. We’re pretty good at saving for now. We have cash in our bank accounts. But what do we do for the *decades* between now and retirement? How do we save and invest for that?

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