SEBETIC ADVISORS is a registered investment advisor that manages an investment portfolio specifically designed to generate monthly retirement income and grow the investment balance over time.
When it's time to retire...
...will you be ready?
Have you considered, planned for, and addressed...
- Life Choices
- When do you want to retire?
- Do you plan on working part-time?
- How do you want to spend your retirement years?
- Will your expenses go up or down based on the retirement you envision?
- If you or your spouse need extended health care coverage what quality of care would you like?
- Do you want to leave money for your heirs? If so, how much?
- Personal Finances
- How much do you save annually?
- Are you investing in your employer’s 401k?
- Are you maximizing your 401k contributions?
- What debt do you have?
- Have you or should you convert IRA’s and old 401K’s to their Roth counterparts?
- Are you maximizing the use of other tax advantaged accounts (529, HSA)
- What percentage of your income goes to retirement savings? Is this enough?
- How much money will you need to retire? How much have you saved already?
- Investing Choices
- Are you investing today?
- What type of investments are you making? - Do you invest in stocks, mutual funds, ETF’s, bonds, real-estate, other?
- How do you evaluate your investments? How do you know when to buy and sell? Are you diversified?
- If you buy stocks do you consider emerging markets and/or other developed nations?
- Are dividends important?
- Are your investments being managed efficiently?
- Do you review your investments regularly?
- How have your investments performed?
- If you use a financial advisor, how have they performed, Are their fees reasonable?
- Unknown & Unexpected
- How long will you live?
- What if the stock market crashes?
- What if there’s another financial or housing crash?
- What if there is another global pandemic?
- What if inflation rises dramatically?
- What if you suddenly lost your job or weren’t able to work?
- Will Social Security be bankrupt by the time you are eligible to receive benefits?
- How will you cover unforeseen medical expenses not covered by Medicare?
- Life Choices
- When do you want to retire?
- Do you plan on working part-time?
- How do you want to spend your retirement years?
- Will your expenses go up or down based on the retirement you envision?
- If you or your spouse need extended health care coverage what quality of care would you like?
- Do you want to leave money for your heirs? If so, how much?
- Personal Finances
- How much do you save annually?
- Are you investing in your employer’s 401k?
- Are you maximizing your 401k contributions?
- What debt do you have?
- Have you or should you convert IRA’s and old 401K’s to their Roth counterparts?
- Are you maximizing the use of other tax advantaged accounts (529, HSA)
- What percentage of your income goes to retirement savings? Is this enough?
- How much money will you need to retire? How much have you saved already?
- Investing Choices
- Are you investing today?
- What type of investments are you making? - Do you invest in stocks, mutual funds, ETF’s, bonds, real-estate, other?
- How do you evaluate your investments? How do you know when to buy and sell? Are you diversified?
- If you buy stocks do you consider emerging markets and/or other developed nations?
- Are dividends important?
- Are your investments being managed efficiently?
- Do you review your investments regularly?
- How have your investments performed?
- If you use a financial advisor, how have they performed, Are their fees reasonable?
- Unknown & Unexpected
- How long will you live?
- What if the stock market crashes?
- What if there’s another financial or housing crash?
- What if there is another global pandemic?
- What if inflation rises dramatically?
- What if you suddenly lost your job or weren’t able to work?
- Will Social Security be bankrupt by the time you are eligible to receive benefits?
- How will you cover unforeseen medical expenses not covered by Medicare?
Perhaps We Can Help
Review:
For prospective clients we offer a complimentary Financial Review where we will work to understand your short and long term goals as well as your current financial situation.
Assess / Recommend:
Based on our review, we will offer no obligation advice and recommendations that encompass all aspects of financial management.
Share:
We will discuss our Strategy for Retirement Investing Success and the Sebetic Advisors Portfolio which has been specifically crafted and is continuously managed to:
- Serve as a comprehensive retirement portfolio or as an add-on to a pre-existing portfolio.
- Provide monthly income and target annual growth of that income to keep up with inflation while simultaneously growing the original investment.
- Protect against real risks facing retirees which include: failure to provide monthly income, failure to keep pace with inflation, and permanent loss of capital.
Explore:
Together we will explore whether the Sebetic Advisors Portfolio can help.