Stocks, Bonds, Mutual Funds, Annuities, Real Estate... These are some of the many investments out there. Which ones are right for you?

Diversification, Asset Allocation, Investment Timeframe, Risk Tolerance... These are just some of the “buzzwords” you’ve heard. But what do they mean?

Investments are often a misunderstood area. Wouldn’t it be nice to sit down with someone in a non-pressured atmosphere to discuss your questions and concerns?

At Robert L. Tackabury, CPA we can help you. Whether you are planning for retirement or just looking to stash away some extra cash for a future purchase, we have solutions for your investment needs. We offer a large array of investments options from “Capital Preservation” to “Aggressive”. We’ll help you determine which type of investments are appropriate for you based on such factors as time frame, goals, existing investments, your ability to tolerate fluctuations, etc.

Many people don’t realize that you can invest in a plan for as little as $50 per month!

Following is a brief description of some of the many investment areas we offer:

1. Retirement Planning – For many of us, being able to enjoy a comfortable retirement is a very important concern. Are you on the right track? Are your current investments fulfilling your objectives? What kind of retirement can you REALISTICALLY expect to achieve? What kind of tax breaks can you get? These are just some of the questions we can help you answer. The most common types of retirement planning are:
• IRAs – Both the Traditional and the Roth IRA offer advantages to individuals. We can help you determine if an IRA is appropriate for you and which type of IRA might work best in your particular circumstance.
• Employer Plans – Whether you are a small or large employer, we can help you implement a plan for yourself +/or your employees. Thanks to recent legislation, business owners have more choices now than ever before.
• Rollovers – If you have recently left employment and wish to invest your funds in your own individual IRA, a rollover may be appropriate for you. Many times, a rollover makes sense due to increased investment choices, lower costs, more personal control and better distribution options.
2. College Education Planning – There are now many choices available to you for investing for your children’s college education and many include important tax breaks. It is important to speak with an Advisor before investing in these types of plans so that you understand the advantageous and disadvantages of these plans.
3. Investing for Income – If you are now in retirement, you understand how important it is to derive a good income off of your existing investments. Choosing the right investments can make a huge difference in the income you receive and whether that income can keep up with inflation.
4. Tax-Managed Investing – You may have some funds you’d like to invest but do not want to pay significant capital gains +/or dividend income each year you hold the investment, especially if you do not plan on using the funds in the short term. If this is the case, Tax-Managed investments may be appropriate for you. This can range from Municipal bonds to Tax-Managed Equity mutual funds.
5. General Investing – This type of investing is for money you want to invest for a future use that is not designated for retirement, income, or college education purposes. We’ll be happy to help you determine which investment may be appropriate.

A final thought about investing... We focus on your goals and objectives FIRST! Investments and Insurance are merely tools we can use to help you achieve them. In other words, your goals and objectives come first and the means of obtaining those goals and objectives comes secondarily. We believe this focus is a critical factor for a successful, long-term strategy.