Talks of recession and the volatility of the stock market right now have many people looking for “lower risk” investments. The truth is investing involves risk. There are risks we can foresee and ones that we can’t always foresee.
We’ve all grown up hearing, “The bigger the risk, the greater the reward.” Investing generally works the same way. As we look to reduce our risk on a pot of money, we also typically limit the amount we can earn on that money as well.
We could tell you things like “fixed indexed annuities have less risk than the stock market and more earning potential than a CD”. Which would be true. But the more confident investment designed to help reduce risk might be working with a Certified Financial Planner.
Here’s why. Working with a Certified Financial Planner will take your entire financial situation and future goals into consideration as a strategy is designed to help you meet those goals.
Working with a Certified Financial Planner will help you position your money at different risk levels so that you can potentially achieve the returns you desire without risking all your savings. A Certified Financial Planner will also consider taxefficiency strategies and strategies designed to help mitigate inflation as they make recommendations on how to position your money. They have knowledge and experience you won’t gain from researching on the internet alone.
Finance isn’t one size fits all and internet answers don’t take into account your financial background and whether a product may or may not be right for you. Product and rate information is only helpful if you know whether that product is right for you and how to include it in your overall strategy.
If you want advice on investments that are designed to help protect your assets and still help you meet your goals, then schedule an appointment with our Certified Financial Planner today. We’d love to help you!
Investment advisory products and services made available through AE Wealth Management, LLC (AEWM), a Registered Investment Advisor.
Insurance products are offered through the insurance business Bradshaw & Weil, Inc. Insurance & Financial Planning. Bradshaw & Weil Wealth Management, LLC DBA Bradshaw & Weil Insurance & Financial Planning is an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Advisor. AEWM does not offer insurance products. The insurance products offered by Bradshaw & Weil, Inc. Insurance & Financial Planning are not subject to Investment Advisor requirements. AEWM and Bradshaw & Weil, Inc. Insurance & Financial Planning are not affiliated companies.
Guarantees and protections provided by insurance products, including annuities, are backed by the financial strength and claims-paying ability of the issuing insurance carrier. Neither the firm nor its agents or representatives may give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any purchasing decisions.
Investing involves risk, including the potential loss of principal. Any references to safety, security generally refer to fixed insurance products, never securities or investment products. Insurance and annuity product guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Neither the firm nor its agents or representatives may give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any purchasing decisions. 1619949 – 12/22
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