Understanding and Mitigating

investment risk

Understanding and mitigating investment risk is essential to pursuing your financial objectives. How is this achieved: the approach is specific to each client.

Effective performance and risk mitigation can bring clarity to:

  • Am I on track to have the option of not working at some future time?
  • Am I doing all I can to control my personal income tax liability?
  • Could I have more time for my family, by having a financial advisor assisting with my personal finances, retirement, and tax planning strategies?

Stifel Independent Advisors, LLC and its associates do not provide legal advice. You should consult with your legal advisor regarding your particular situation.. 

Common risk mitigation questions include:

That is often a function of your comfort level and goals. KWM Wealth Advisory’s process helps you establish “Your Number,” which in turn can identify the trade-offs between your priorities. Managing and reviewing your resources effectively is increasingly important in an age when taxes, inflation, and inadequate financial management may lead to an uncertain or unanticipated financial future.

Addressing Investment Risk – Risk management strategies are designed to help reduce the potential of losing principal or purchasing power from inflation.

Estate preservation benefits – Like the environment, your assets and estate can be eroded by different external forces: income loss due to the death of a loved one, disability or illness, and loss or damage to property. The financial impact of these forces can potentially be mitigated with proper estate planning strategies.

Preserving your legacy – When a loved one dies, his or her legacy (the assets created during a lifetime) must be preserved. Proper estate planning strategies are designed to help ensure that their loved ones move forward as expeditiously and efficiently as possible.

There is a smart way to plan for your children’s or grandchildren’s college education. Working closely with you, KWM develops a systematic plan of saving and investing. A variety of factors are taken into account, including:

  • The degree of control you want over the college fund and how it is spent
  • The impact of your planning on potential financial aid
  • Striving to ensure income tax implications are clarified before they impact your plans.

If you are not there to prepare your family, the solution is about much more than just wages. Ultimately, it’s about the future – paying for current as well as future liabilities, future education funding, and retirement needs of the survivors. A Life Insurance Needs Analysis can help estimate how much coverage is needed to protect your family.

It is important to review disability income planning resources in the event your ability to earn income is compromised.

KWM can help to make sure you’re financially prepared. An acceptable level of liability insurance and health insurance prevents the eroding of your existing asset base, and the potential use of earned income for unexpected events.

Stifel Independent Advisors, LLC does not provide legal or tax advice. You should consult with your legal and tax advisors regarding your particular situation.

Adequate homeowner’s insurance can make all the difference in handling a crisis. Effective risk mitigation takes into account the replacement value of your home, vacation property, furnishings, and other such assets. In addition, the appropriate level of automobile insurance may protect you from a major property loss as a result of accident or theft.

Stifel Independent Advisors, LLC does not provide legal or tax advice. You should consult with your legal and tax advisors regarding your particular situation.” and remove that last sentence about nonbank insurance agency affiliates.

Despite market volatility and economic uncertainty, clients can pursue their financial objectives and enjoy a “Life Well Lived.”

For over 35 years we have been helping our clients pursue a life well lived. As you seek a trusted source for your financial guidance, we invite you to consider our “2nd Opinion” program for a complete, unbiased review of your financial program.

Many people find that having an independent advisor can provide financial confidence — by clarifying economic complexity, navigating through turbulent markets, and providing a buffer between them and the market.

Discover how KWM Wealth Advisory’s extraordinarily personalized approach to investment planning and management can help you on the road to a Life Well Lived.