We help you with investment advice for the future. Saving for retirement, college and estate planing, we do it all. When talking with an financial planner these days make sure you pick a planner that is realistic about future growth and investment return because current CD rates and savings account rates are very low. In fact most CD rates on 1 year certificates of deposit and regular savings account rates are under 1.00%.
A more conservative annual return on your investment right now is in the 3% to 5% range, right now both 30 year mortgage rates and 15 year mortgage rates including refinance rates are also in a range of 3% to 4%. The past decade has seen lower returns in equites and deposit rates are also near historic lows. CD rates and savings account rates are in the 1% to 2% range. Short term Treasury yields are not much higher.
Controling investment fees in a low interest rate low return market is also key to a higher return. Minimizing your costs in fees annually can ad another 1% to 2% return each year. Getting the right planner with a minimum cost, secure growth with controlled risk is important.
We will help you find savings on investment expenses and lower your tax rate on your investments.We can help you design safe investment portfolios that you family can depend on for maximum sustainable lifelong income.
The Social Security Administration offers a free retirement planner which can help you come up with a retirement plan. The planner is useful so be sure to use it to help you make the right decisions about retiring.