Investment Planning
No Two Portfolios Will be Exactly Alike
Successful investing for retirement and other financial goals requires knowledge and discipline. People and companies who engage professional investment management realize significant gains in return that build better futures
Asset Growth & Protection
PivotPoint Advisors assists clients grow their businesses and invest hard earned income. As part of our business growth package we offer practical and cost effective business planning and monitoring advice.
We also work with clients to assist them to set retirement goals and partner with investment advisors.
Asset planning ensures taxation, estate planning and asset protection are all dealt with together. To make sure you have your tax affairs are optimized and your assets protected as much as possible requires planning and an understanding of your current situation as well as your long term goals. This involves a taxation and legal analysis to help you be in the best position to increase your net worth while adding protection in the right place.
Retirement Income
Building a retirement income strategy starts with a realistic look at what you’d like your retirement to be like—and what that lifestyle will likely cost—establishing your priorities and understanding the tradeoffs of each option. That can result in something of a balancing act for your emotional as well as financial life. There is no one-size-fits-all retirement, and as such there’s certainly no one-size-fits-all retirement portfolio. But most retirees should consider their investments through the lens of 1 of these 4 categories:
Growth potential: It’s important that the growth of your investment portfolio outpaces inflation, but you should balance that need for growth against the risk of exposing your savings to excessive market fluctuations.
Guaranteed income: Investment returns fluctuate—often significantly. But certain insurance products, including Treasury bonds, Certificates of Deposit, and fixed and variable annuities, can provide an income stream and help you prepare for retirement with greater certainty. Annuities, however, may come with fees and withdrawal penalties that can limit your flexibility should an unexpected need arise.
Flexibility: Having access to and control over your assets is important for some, but flexibility usually means giving up a stream of income.
Principal preservation: Knowing that your investment is safe can help you sleep at night, but investments that aim to preserve your principal,1 such as money market funds, CDs or Treasury bonds, come with a different sort of risk. These investments generally offer relatively low yields—and your principal might not be large enough to generate enough income from interest or dividends to fund your desired retirement lifestyle. Plus, if you invest too conservatively, your savings may not grow quickly enough to keep pace with inflation.
