Long-Term Investing

Many sales people, writers, and investment companies claim that one should buy and hold investments for the long-term. However, not every investment product works effectively the longer one holds it given equal rates of return assumptions. The potential management fees, income taxes, lost opportunity costs, inflation, and estate taxes can substantially reduce or negate much of the growth some investments create in the long run. These facts may necessitate the use of other cash flow techniques in the planning process in order to protect any investments from these potential eroding factors.

Most investments have choices as to what to do with dividends, capital gains, and interest. We can show you how to coordinate and integrate these choices to help protect the investments from income taxes, estate taxes, creditors, and other eroding factors.

Note: Investments involve market risk, including fluctuating returns and possible loss of principal.