An independent financial advisor helps clients mitigate risk through tactical portfolios and strategy diversification.
Omaha-based financial advisor Jeff Ingraham has developed a strategy over the years to guide pre-retirees and retirees toward effective and efficient management of their financial resources.
Jeff Ingraham and his team believe that tactical portfolio management and diversification of strategies will give investors the best opportunity to realize compound interest over time. Maintaining a stable portfolio is the goal, and this goal is achieved by adapting the portfolio holdings to take advantage of any market environment.
“Our investment philosophy is to capture as many upside opportunities as possible while striving to avoid large declines given specific risk objectives. Large losses in retirement can have catastrophic consequences on the ability of the portfolio to generate the income needed to cover living expenses,” says Ingraham. Losing forty or fifty percent of a portfolio’s value is a setback for investors in their 30s or 40s. If a retiree losing that much is not just a setback, it will significantly compromise the portfolio’s ability to generate the retirement income it needs.The loss puts the retiree at risk of running out of money too soon.
A very common challenge for pre-retirees and retirees is moving from the growth and accumulation phase to the income and distribution portion of their retirement. Large withdrawals during retirement can create significant emotional and relationship stress. After such a loss, retirees may have to start making difficult decisions which may include returning to work or curtailing their lifestyle. Additionally, health care costs can put a significant strain on a retiree’s wallet. According to a HealthView Services report, a healthy 65-year-old couple can expect to spend more than $387,000 on health care costs in retirement, not including long-term care.1 Managing health care costs health is essential to maintain the health of the entire portfolio.
Mr. Ingraham’s investment philosophy is designed to promote risk management and strive to avoid significant losses. These two principles are crucial for a successful retirement plan. A strategy that uses tactical money management for a portion of the portfolio in addition to placing certain funds in a buy and hold position is essential to achieving these goals. Using both approaches helps reduce portfolio risk and volatility. Tactical money management helps balance the portfolio because it is strategic and can actively manage assets to mitigate risk while taking advantage of growth opportunities. Healthcare expense management is an additional tool for maintaining financial health, and it’s an area that shouldn’t be overlooked.
“The planning process for each individual or couple should take a holistic approach,” says Ingraham. “Risk management and retirement income planning while using social security optimization and health care cost management are all necessary elements in the planning process.”
1HealthView Services. (2019, July). Why health should be part of retirement planning. Retrieved from http://testing.hvsfinancial.com/hvsfinancial/wp-content/uploads/2020/03/Health-in-Retirement-Planning.pdf
All investments and investment strategies involve varying degrees of risk, including the possibility of loss of principal invested. Readers of the above information should not regard it as a solicitation of any specific investment or investment strategy and no offer or sale of any product should be construed. The above information is educational in nature and no reader should consider it to be specific individualized investment advice. Readers should always contact their financial, legal and/or tax advisors before making any investment decision.
Investment advisory services offered by Horter Investment Management, LLC, an SEC-registered investment adviser. Horter Investment Management does not provide legal or tax advice. Representatives of Horter Investment Management’s investment advisors may only do business with residents of states and jurisdictions in which they are duly registered or exempt from registration requirements. Insurance and annuity products are sold separately by Jeff Ingraham. Securities transactions for Horter Investment Management clients are handled through AXOS Advisor Services, TD Ameritrade and Nationwide Advisory Solutions.
Company Name: IWise, LLC
Contact person: Jeff Ingraham
E-mail: Send an email
Country: United States