Investment Strategy
With iScott.net, you can refine your existing strategy in an attempt to reduce the amount of volatility you’re been experiencing with your investments and emotions. Or you can work with iSN to develop a meaningful investment strategy that truly reflects your actual risk tolerance (which may be different than it was prior to the events of the past few years). No matter which approach you take, it is important to partner with a knowledgeable team of specialists to ensure your strategy is not only suitable and relevant, but also sustainable, viable and valid. iSN is the quarterback and of your team.
Investment strategies can be as varied as they are countless. Over the ages, investment strategies have been introduced, modified and juxtaposed into variations of each other. Some very common examples of basic strategies are “buy and hold”, “value” and “dollarcost averaging”. Other strategies include, “momentum trading” and “market timing”. However, no strategy assures success or protects against loss.
Another very common term used today to describe a methodology (as opposed to a specific strategy) is “asset allocation” which was born out of William Sharp and Harry Markowitz’s modern portfolio theory. Asset allocation(1) has been referred to as the science of diversification(2) and modern portfolio theory delves deeply into the mathematical science of risk aversion by showing that pairing asset classes with negative correlations to each other.
Finally, one observation from iScott.net is that no two investment strategies were designed to work indefinitely with each other. Essentially, it’s important that each investor identify a specific strategy to employ for a specific account type or goal. Additionally, it is a very common mistake for investors to try one strategy for a shorttime before giving up and trying another, this is an area of great caution.
Retirement Planning
When asked who was the first person to ever reach the top of Mount Everest, many intelligent people will answer, perhaps erroneously, that Sir Edmund Hillary holds that prestigious title. However, it is believed by some that this is simply not true. What Hillary can be duly credited with is the first successful climb to the summit and subsequent descent back down the famous peak. It is not known with any certainty weather or not
George Mallory and had reached the summit some 29 years earlier before dying on the side of the mountain coming back down.
The point to make here is that we spend our working years climbing the Mt. Everest of retirement. An often overlooked aspect of that journey is the imminent descent down the mountain face of retirement. In other words, helping you get through your retirement years free of financial peril and unforeseen obstacles is the essence of any sound retirement plan. Unfortunately, this is one of the most overlooked and common sources of financial failures in retirement.
One of the areas investors have the greatest difficulty sorting through is “retirement planning”. The reason this is a huge challenge is due to the vast amount of information regarding social security, Medicare, pensions, 401(k), IRAs, ROTH IRAs and long term care.
As a full service wealth planning firm, iScott.net is equipped to answer any of your questions in regards to retirement and financial planning and helping you navigate the many options and decisions you’ll face with regard to you own future. In particular, bringing you timely and relevant facts regarding changes to income tax and social security benefits is among our top priorities at iScott.net.
Tax Strategy
It is an incredible irony that both of life’s noted certainties, death and taxes, come attached to some of the greatest uncertainty of all: “When?” and “how much?” These uncertainties are the hard parts. Either way you look at it, taxes of all types strike a very emotional chord in many individuals and, to add fuel to the fire, the endless myriad of mundane complexities makes this topic an area where individuals tend to struggle the most.
Our role here at iScott.net is to stay current and up to date on the coming tax law changes individuals need to be coached and advised on strategies to help limit the effect of all types of taxes going forward. This is another area where iScott.net can make a meaningful difference for you.
Our goal: Give you the knowledge and confidence to understand the challenging nature of our national system of taxation and to show you actionable strategies to keep more of what you’ve earned. (This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.)
Estate Planning
Most of us will spend our working years climbing the Mt. Everest of retirement, paying our income taxes most every step of the way and building a solid financial future for ourselves and our loved ones. During this time, it helps to be mindful of our system of taxation and to enlist the help of qualified professionals to help us find ways to limit the impact of income taxes during our entire lifetime.
However, we need to remember that the fight to keep more of the money we earn doesn't end when we die. Even though our fighting years have ceased, we need to be prepared to insulate our relative estates against as much unnecessary and burdensome taxation as possible.
Our goal: To give you the knowledge you’ll need to address the issue of estate planning and to refer you to the most capable and competent law firm to help you complete anestate plan than protects you and your family against the threat of “the death tax”
(1) Asset Allocation does not ensure .a profit or protect against a loss.
(2) There is no guarantee that a diversified portfolio will enhance overall returns or out perform a non-diversified portfolio. Diversification does not ensure against market risk.
Investment strategies can be as varied as they are countless. Over the ages, investment strategies have been introduced, modified and juxtaposed into variations of each other. Some very common examples of basic strategies are “buy and hold”, “value” and “dollarcost averaging”. Other strategies include, “momentum trading” and “market timing”. However, no strategy assures success or protects against loss.
Another very common term used today to describe a methodology (as opposed to a specific strategy) is “asset allocation” which was born out of William Sharp and Harry Markowitz’s modern portfolio theory. Asset allocation(1) has been referred to as the science of diversification(2) and modern portfolio theory delves deeply into the mathematical science of risk aversion by showing that pairing asset classes with negative correlations to each other.
Finally, one observation from iScott.net is that no two investment strategies were designed to work indefinitely with each other. Essentially, it’s important that each investor identify a specific strategy to employ for a specific account type or goal. Additionally, it is a very common mistake for investors to try one strategy for a shorttime before giving up and trying another, this is an area of great caution.
Retirement Planning
When asked who was the first person to ever reach the top of Mount Everest, many intelligent people will answer, perhaps erroneously, that Sir Edmund Hillary holds that prestigious title. However, it is believed by some that this is simply not true. What Hillary can be duly credited with is the first successful climb to the summit and subsequent descent back down the famous peak. It is not known with any certainty weather or not
George Mallory and had reached the summit some 29 years earlier before dying on the side of the mountain coming back down.
The point to make here is that we spend our working years climbing the Mt. Everest of retirement. An often overlooked aspect of that journey is the imminent descent down the mountain face of retirement. In other words, helping you get through your retirement years free of financial peril and unforeseen obstacles is the essence of any sound retirement plan. Unfortunately, this is one of the most overlooked and common sources of financial failures in retirement.
One of the areas investors have the greatest difficulty sorting through is “retirement planning”. The reason this is a huge challenge is due to the vast amount of information regarding social security, Medicare, pensions, 401(k), IRAs, ROTH IRAs and long term care.
As a full service wealth planning firm, iScott.net is equipped to answer any of your questions in regards to retirement and financial planning and helping you navigate the many options and decisions you’ll face with regard to you own future. In particular, bringing you timely and relevant facts regarding changes to income tax and social security benefits is among our top priorities at iScott.net.
Tax Strategy
It is an incredible irony that both of life’s noted certainties, death and taxes, come attached to some of the greatest uncertainty of all: “When?” and “how much?” These uncertainties are the hard parts. Either way you look at it, taxes of all types strike a very emotional chord in many individuals and, to add fuel to the fire, the endless myriad of mundane complexities makes this topic an area where individuals tend to struggle the most.
Our role here at iScott.net is to stay current and up to date on the coming tax law changes individuals need to be coached and advised on strategies to help limit the effect of all types of taxes going forward. This is another area where iScott.net can make a meaningful difference for you.
Our goal: Give you the knowledge and confidence to understand the challenging nature of our national system of taxation and to show you actionable strategies to keep more of what you’ve earned. (This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.)
Estate Planning
Most of us will spend our working years climbing the Mt. Everest of retirement, paying our income taxes most every step of the way and building a solid financial future for ourselves and our loved ones. During this time, it helps to be mindful of our system of taxation and to enlist the help of qualified professionals to help us find ways to limit the impact of income taxes during our entire lifetime.
However, we need to remember that the fight to keep more of the money we earn doesn't end when we die. Even though our fighting years have ceased, we need to be prepared to insulate our relative estates against as much unnecessary and burdensome taxation as possible.
Our goal: To give you the knowledge you’ll need to address the issue of estate planning and to refer you to the most capable and competent law firm to help you complete anestate plan than protects you and your family against the threat of “the death tax”
(1) Asset Allocation does not ensure .a profit or protect against a loss.
(2) There is no guarantee that a diversified portfolio will enhance overall returns or out perform a non-diversified portfolio. Diversification does not ensure against market risk.
Securities and Investment Advisory Services offered through LPL Financial, a registered investment advisor, Member FINRA / SIPC
