How We See It

Charlotte Anderson

Charlotte Anderson

October 12, 2012

Back to Basics
By: Charlotte Anderson

In times of market volatility and economic uncertainty, it is very easy to be distracted by day-to-day headlines. But tuning into a financial news channel all day or constantly checking quotes on your phone isn’t aiding your long-term financial well-being.

Successful wealth management should be about making thoughtful, informed decisions with an emphasis on what you can actually control. It is way too easy in today’s environment to overlook some of the basic decisions that form the foundation of your financial plan.

Of course, one of the most important decisions within your control is working with a professional financial advisor to help you sift through the “noise” and offer advice specific to your situation. When the markets are erratic, individual investors tend to make decisions based on emotion, rather than logic, which doesn’t usually work in their favor. An advisor can provide guidance and help you take action on decisions within your control.

Neither of you have any control over the outcome of the next Federal Open Market Committee meeting, but you can be proactive about positioning your portfolio in a low-interest rate environment. It’s all about asking the right questions. For example, ask:

  1. How will a low-interest rate environment impact my portfolio? What about when interest rates start to climb?
  2. Is it time to refinance?
  3. How should I be positioned for the next 12 months? Are my investments on track to meet my time frame and goals?
  4. How should we rebalance my portfolio to ensure what I own aligns with my investment policy statement?
  5. How can I make the most of my cash management options?

Working with your advisor to answer these questions and others can help ensure your financial plan stays on track as you move forward.

Material prepared by Raymond James for use by its financial advisors.

Securities offered through Raymond James Financial Services, Inc., Member FINRA/SIPC, and independent broker/dealer, and are not insured by bank insurance, the FDIC or any other government agency, are not deposits or obligations of the bank, are not guaranteed by the bank , and are not subject to risks, insuring possible loss of principal.  Raymond James is not affiliated with TBT or TBT Financial Services, Inc.

Raymond James financial advisors may only conduct business with residents of the state and/or jurisdictions for which they are properly registered.  Therefore, a response to a request for information may be delayed.  Please note that not all of the investments and services mentioned are available in every state.  Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site.  Contact your local Raymond James office for information and availability.


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