At Rock Trading Inc we take care of our clients on an individual basis. Every portfolio that we create is a reflection of that client?s life circumstances, their risk tolerance, and their long and short term goals. We have a time-tested process for investment management that we adhere to tenaciously. It has been refined over the years to best achieve our goal of creating superior growth portfolios for our esteemed clientele.
Our first responsibility is to invest our clients money to grow and protect their wealth. In addition, there are other ways that we help our clients above and beyond investment management. Here are some of the many ways in which we endeavor to improve the lives of our clients and those who are important to them.
One of the primary goals of wealth management is ensuring that clients can retire with confidence. Your Rock Trading Inc advisor will work closely with you to ensure that your eventual retirement is secure, comfortable and meaningful. Together you will create a plan to generate an income stream that meets your needs and allows you to continue an enjoyable lifestyle. In addition, your Rock Trading Inc advisor will take steps to reduce your vulnerability to unexpected events, and leave a legacy if you so choose.
Retirement planning is more approachable when broken down into simple steps:
• Figure out your future income needs
• Calculate how much you need to add to your current assets
• Establish an investment plan and savings strategies
• Maximize contributions
• Protect your wealth to ensure your savings last
The best time to start planning for retirement is today – it’s never too early and it’s never too late. Talk to a Rock Trading Inc investment advisor to see how we can help.
SAVING FOR EDUCATION
Whether you are planning to help your child, your grandchild or anyone else to pay for their education, we can help. Determining future educational needs starts with answering three questions:
1. Do you prefer a public or private school?
2. What are the current costs? How much are you comfortable to spend?
3. What is the time frame i.e. how long do you have to accumulate funds?
From here, we factor in projected inflation adjustments and develop a strategy to ensure that future education expenses can be met.
MANAGING AN INHERITANCE
It is often the case that one receives an inheritance at a time of heightened emotions. This is generally not the best situation for objective decision-making and it may initially add to one’s stress. Regardless of your financial or emotional state, take some time to figure out the best use of your inheritance. Inheritances can be bequeathed in many forms, and it is important to understand what you are working with. Before making any major financial decisions, consider speaking with your financial advisor and/or an attorney or tax professional. Expedient decision making is important in many instances in life, but this is not one of them. When the time is right, your Rock Trading Inc advisor will assist in making appropriate adjustments to your investment plan and portfolio.
Everyone should have an estate plan. It can range from a simple will to a complex set of trusts. Estate planning is an integral part of the ongoing process of investment management. We encourage all of our clients to carefully consider their legacy: their money, values and how they want their assets to benefit others. Beyond bequeathing to loved ones, this may include leaving money to an alma mater or another favored charity, creating a charitable trust or endowment fund. Creating a legacy that reflects your personal values can be a complicated process but it?s worth the time and effort.
OTHER LIFE EVENTS
All major life events have an impact on investment management. It’s important to keep your financial advisor apprised of what is happening in your life, both good and bad. This can include marriage, the birth of a child, divorce, loss of a loved one, job change, promotion, and sabbatical – your Rock Trading Inc advisor will be at your side wherever life takes you.
“It takes 20 years to build a reputation and five minutes to ruin it. If you think about that you’ll do things differently.” – Warren Buffett