Worry-Free Investment Management

Do you need worry-free investment management? Investing for retirement can be intimidating.  How can you secure your income?  With low interest rates and increased longevity, it’s not as easy as it used to be.

Prime Wealth’s most important service can be the management of the assets you have accumulated for retirement. Fortunately, when done right, investing for retirement can produce the security you need for a stress-free lifestyle.

Why Take Risk?

Rational people take a risk to earn higher returns when they invest their assets in various markets. In the worst-case scenario, people take a risk to increase their asset amounts because they did not save enough during their working years. This is a risky way to make up for inadequate savings.

Investing for Retirement

People need investment returns that offset the four primary forms of erosion:

• Any applicable taxes (distribution, investment)
• Inflation (protect purchasing power)
• Distribution amounts from your accounts (protect your principal)
• Expenses (advice & services)

Prime Wealth investment management strategies are designed to minimize the impact of the various forms of erosion.

Once you retire, you’re faced with a major challenge. Your risk tolerance will decline, but you need to keep up with inflation, if you want to protect your current lifestyle over longer periods of time (10, 20, 30 years).

This requires a careful balancing act between risk and reward.

Risk Zone Management

Prime Wealth pays particular attention to the management of assets when you are transitioning from work to retirement. Your assets are at their peak value when you retire and your tolerance for risk is relatively low.

Why? Consider what happened in 2008. Many investors who planned to retire at the end of 2008 lost 30% of their assets.

Tax-Deferred Investing

The tax code provides many avenues to structure your finances to defer, reduce or even eliminate taxes.  Our thorough planning helps find ways to reduce your costs, which can increase the amount of money you have available for your personal use.

Reduced Volatility Portfolios

Some people prefer to engineer stock market volatility out of their retirement lives substantially. They prefer the security of income streams which are far less likely to be impacted by the volatility of the stock and bond markets.

They have told us they sleep better at night knowing their financial futures are secure.

Prime Wealth uses structured products to provide this type of asset management service.