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Home
Quarterly Review
Investments
Insurance
Estate Planning
Charitable Trusts
India College & Trust
Retirement & IRAs
College Education
Taxes & Forms
FAQs
Links |
|
Hans R. Sharma, MBA, CFP
President, CEO
Certified Financial Planner, Investment Advisor Representative Notary public Specialize in retirement income planning, building and preserving wealth. Create and manage investment portfolios utilizing exchange-traded funds(ETF's) on fee basis to avoid any conflict of interest
Phone: 610-828-8253 Email: HansSharmaCFP@gmail.com
Investment advisory services offered through Sharma Associates, Inc.
Securities offered through Resource Horizon Group, L.L.C., Member FINRA,SIPC
1350 Church Street Extension 3rd. Floor, Marrietta, GA Phone: 770-319-1970
Sharma Associates, Inc. and Resource Horizons Group, L.L.C. are not affiliated.
Retirement Income Planning:
As we think of retirement planning, our financial assets predominantly are in 401K plans and IRAs. We need to select a sound strategy that should generate a reliable flow of income during retirement and preserve and grow the assets for varied needs during our retirement and at advanced ages. More growth-oriented investments are more volatile and riskier. In short, the strategy should deliver financial security, flexibility and growth.
It is important to keep in mind that as life expectancy increases, more and more of us will live into our late 80s and beyond. Future market performance is uncertain. Poor market performance can dramatically increase longevity risk associated with increasing life expectancy.
A roller coaster of a stock market has made a layperson wary. Guaranteed income benefit for life with death benefit and provides a peace of mind especially during retirement. Certainty of income is important for the peace of mind especially during retirement. I specialize in retirement income planning, building and preserving wealth without any conflict of interest
Wealth Appreciation Strategy:
It is important to invest a small amount of money every month to take advantage of dollar cost averaging concept. Wealth appreciation strategy is one of a good investment vehicle. Should you need more information, please let me know.Investing for at least 30 years of retirement:
It is also important to think of investing for ten years intervals, based on your risk tolerance and time horizon.
Consider having at least three investment portfolios or buckets, such as:
Low risk plan for short tern needs: For current and near term income needs of less than five years.
High-risk plan for Long-term needs: For more than ten years can be in a portfolio for growth and income.Middle of the road plan for mid-term needs: Intended for 5 to 10 year time horizon with moderate risk and guaranteed income and growth
Traditional IRA to Roth IRA conversion is also beneficial to pass on these retirement assets to next generation and take advantage of stretching the IRA. There is much more to this, and if you want to know that does it make sense for you to do this conversion, please feel free to call or email me.
Traditional IRA to Roth IRA conversion is also beneficial to pass on these retirement assets to next generation and take advantage of stretching the IRA. There is much more to this, and if you want to know that does it make sense for you to do this conversion, please feel free to call or email me.
Among the three Asset Classes: Equity (stocks) – Bonds – Real Estate
Stocks are most volatile in short run, but are most stable in the long run.
Should you need additional information or have questions, please feel free to call or email me. I am usually at my desk from 8:30 PM to 10:30 PM doing the paperwork. You can call me at this time as well. During the day you can always get hold of me at my cell phone: 610-613-1924.
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