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How We See It

Charlotte Anderson

Charlotte Anderson

Posted:
May 11, 2012

Financial Planning - Keep Your Financial Plan Working While You're on Vacation
By: Charlotte Anderson, Financial Advisor - TBT Financial Services

The plan receiving the most attention this time of year is the vacation plan. But there’s another plan that also deserves attention – your financial plan. Here at the midyear point, take some time to look over your financial plan before you leave on vacation. Are you on track to meet goals you set at the beginning of the year?  Have things changed in your life or business that would make financial goal realignment a good idea? Here are two other important things to consider:

Asset allocation
It’s essential to regularly review your holdings and rebalance your portfolio to adjust for changes in the market environment or in the performance of your specific securities. Long-term goals can change over time, and you’ll want to ensure your assets are performing to meet your objectives. Rebalancing means restoring your original allocation among equities, fixed income, cash and
other investments.

Cash needs
Often people find that their circumstances change throughout the year. Do you need more cash for day-to-day purchases now than you thought you would? Should your portfolio be adjusted for both liquidity and long-term freedom?

If any of these situations apply, now may be the best time to work with your financial advisor to reassess your situation so you can enjoy your vacation and still meet your objectives. 

Asset allocation does not guarantee a profit nor protect against loss.

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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