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    Home » Wealth Management » Income vs. Growth

    Income in an Unpredictable Market

    (Income vs. Growth)

    We find that asset management works best when there is a clear focus. Stock markets tend to be unpredictable and may not be the most suitable choice for providing consistent, guaranteed income that will support you throughout your lifespan.

    If you’re concerned about market performance, it may be time to try a new approach to your financial strategy. One that could generate the income you need, no matter what the market is doing.

    Our team of professionals will sit down with you to discuss your income needs and put together a financial strategy for your retirement.

    Preserving Capital in Market Volatility

    The end goal of many investors is long-term percentage yield. But, as experienced investors know, the road of investing is rarely smooth all of the time and often includes twists, bumps and detours. Our team at Heritage Financial Advisory actively manages our clients’ assets. When we sense a sharp turn approaching, we will take appropriate action to move to a smoother course or move to cash until the road straightens out. If we feel the twists and turns are temporary, we’ll communicate with our investors to prepare them for the road ahead. While we can’t promise a constant joy ride, we do our best to keep a constant stream of income throughout your journey.

    Diversification
    Putting all of your eggs in one basket is rarely a wise choice. At Heritage Financial Advisory, we believe that diversification across non-correlated asset classes can increase yields and reduce exposure to significant losses. We’ll work with you to diversify your portfolio to help ensure you have income coming from various places.

    Risk Management
    If generating income is your primary goal, you may find your perspective about investing start to change as you near retirement. Because your investments are providing consistent income, short-term price volatility is less of a concern. When you work with Heritage Financial Advisory, the income generated by your portfolio can be used to cover your expenses without disrupting the underlying investment portfolio or it can be reinvested to increase your portfolio value.

    If markets start to fall, we look for emotional overreactions from investors who sell based on fear and begin shopping for these quality securities, which are highly undervalued for temporary reasons.

    When the price of an income-paying security falls, the income level percentage (the yield) increases. Purchasing at this lower level “locks-in” the higher yield and opens the possibility of increased portfolio yield and capital appreciation.*

    Portfolio yield provides a foundation of income that can be added to any risk-adjusted gains if and when such gains are periodically available.

    *Dividends payouts can rise, fall or be suspended. They are regularly subject to the review of their continuation by the Board of Directors of the issuing company.

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    We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives.

    Investment advisory services offered only by duly registered individuals through AE Wealth Management, LLC (AEWM). AEWM and Heritage Financial Advisory are not affiliated companies.

    Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. None of the information contained on this website shall constitute an offer to sell or solicit any offer to buy a security or any insurance product.

    *Any references to protection benefits or steady and reliable income streams on this website refer only to fixed insurance products. They do not refer, in any way, to securities or investment advisory products. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by insurance company. Annuities are not FDIC insured.

    The information and opinions contained in any of the material requested from this website are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. They are given for informational purposes only and are not a solicitation to buy or sell any of the products mentioned. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.

    The retirement kit is provided for informational purposes only. It is not intended to provide tax or legal advice. By requesting this report you may be provided with information regarding the purchase of insurance and investment products in the future.

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