Welcome to the Physicians Wealth Management Newsletter
Welcome to our new e-newsletter for clients and friends. The newsletter will arrive via e-mail every month, containing informative articles on a variety of financial and investment topics. If you don't want to receive this newsletter, simply fill out the subscribe box below, indicating you wish to be deleted from our mailing list. You can also use the subscribe box to add friends or relatives to our mailing list. Please feel free to contact us with any questions or concerns. Hope you enjoy the newsletter.
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The Basics of Asset Allocation
Your asset allocation strategy represents your personal decisions about how much of your portfolio to allocate to various investment categories, such as stocks, bonds, and short-term investments. Several concepts are important when considering your asset allocation strategy.
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Selecting an Expected Rate of Return
To determine how much you need to save on
an annual basis to reach a financial goal, you need to know when
you'll need the money and how much you'll earn on your investments.
The typical approach to determining an expected rate of return
is to look at average annual returns for some historical period.
However, the average annual return can vary substantially, depending
on the period used.
[FULL ARTICLE]
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Coming to Grips with Risk
Your tolerance for risk is an important
factor in how you allocate your investment portfolio among different
investments. While investments are subject to many different types
of risk, risk tolerance typically refers to your ability to hold
an investment when the return is either less than you expected
or it declines in value. You should only assume a level of risk
you are comfortable with, so you aren't tempted to sell an investment
when it is at a low point.
[FULL ARTICLE]
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Another Look at Your Retirement Savings
Following the 2003 Tax Act, income tax rates
on ordinary income, long-term capital gains, and dividend income
are now lower. Due to those changes, you should review your retirement
savings to see if there are ways to lower your tax burden and
increase your retirement savings in the process.
[FULL ARTICLE]
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Actively Manage Your Debt
Not that long ago, debt was only used for
major outlays, such as a home, college education, or new car.
Now, in addition to using debt for major purchases, it is used
to pay for everything from vacations to furniture to entertainment
to weekly groceries. This trend has emerged due to the easy availability
of credit.
[FULL ARTICLE]
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David K. Sebastian is the Team Leader of the Physicians Wealth Management Group and specializes in working with individual physicians and group medical practices. He has more than twenty-five years of experience and derives tremendous satisfaction providing advice and management for a wide array of clients’ concerns from tax reduction to asset protection, insurance, investment, retirement and estate planning.
Commitment to his clients’ financial needs and well being is a primary motivation for David.
The Physicians Wealth Management Group was specifically created to address and manage all of the unique financial challenges that doctors are facing both individually and through their group medical practices.
Just as most Physicians are specialists, what we have discovered is that most prefer to work with experts that not only understand their personal situation, but who also are proactive in developing and implementing the strategies required to remedy them.
Feel free to contact me via e-mail at
dsebasitan@sfr1.com
or call me at (973) 285-3600
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