Women & Investment: Financial Planning for the Future

Investing is one of the best ways to accumulate wealth but research shows that women invest 40% less than men.

This results in women missing out on approximately $1 million dollars in investment returns over the course of their professional lives. The truth is, women’s longer life expectancy and the unique factors that create financial setbacks highlight the importance for women to invest what they have and not ignore the value of its role in financial planning. The solution is to save and invest more and (earlier). The earlier you start investing, the more time your investments have to grow, and the more time you have to weather any market ups and downs along the way.

WeRise Investment Strategy

Investment strategy is a key component to your financial plan. There is an infinite amount of ways to build an investment allocation. Securities perform differently in different markets and at different times in the business cycle. We make sure that we have a clear understanding of your goals, risk tolerance and time horizon when we determine the best investment allocation for you. We tailor our recommendations and determine the best investment strategy for your unique circumstances. Below are a couple different approaches we use.

Goal-Based Investing

We create solutions to fund your life goals.

We take the time to talk about where you are and define the goals that matter most to you. This covers everything from finances to your most pressing questions and big picture concerns. By spending time to understand you as a person, we can make plans that align with your specific needs. Once we define your goals, we take into consideration the timeline and your cash-flow needs to reverse-engineer the best funding strategy for you.

Tax-Efficient Investing

We know how to protect your income:

We utilize tax-advantaged accounts and strategies to retain as much of your income as possible. Your income-tax bracket matters. Tax-managed investing is an approach designed to help tax-sensitive investors by seeking to minimize tax drag and maximize after-tax returns. This is accomplished by taking advantage of:

tax-deferred vehicles:

The type of account the funds are in and the type of underlying securities all have an impact on your taxes. Qualified vs Non-Qualified accounts treat capital gains and dividends differently.

the right type of investments:

exempt bond funds, tax-managed mutual funds and tax-managed model strategies to decrease capital gains or dividends. All investments have different tax exposures and having the right allocation matters

the right timing:

How long you hold an investment & when you decide to sell it can subject you to capital gains. For those who have larger tax obligations, structuring a timeframe to sell can help keep those tax obligations manageable.