How does Financial Planning INTEGRATE with Portfolio Design… exactly?

You know how important WE THINK financial planning is in terms of building your future. But once you have a financial plan, how do you build a portfolio that reflects that planning? How do you integrate your financial planning & investing?

No matter what your goals are, there are only 2 ways to create the volume of money you need to afford them. Either you can SAVE more -or- you can invest for HIGHER returns. The more you do of one, the less you have to do of the other to end in the same place – the fulfillment of all your well-planned goals. Unfortunately, only one of these is predictable or controllable – SAVINGS!!!

This is the big portfolio TRADE-OFF. You can PLAN on big returns. And in doing so, you will be able to spend more/save less NOW. But, the probability of success diminishes the higher your return expectations go.  

So, what should YOU do?

Obviously, make sure you have a financial plan. But make sure that you are making all the appropriate trade-offs, including being totally REALISTIC about return expectations. This will FORCE you to save enough to make sure you have the best chance of reaching your goals.

Then, you just keep dollar cost averaging and be patient.

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