Trajan Wealth Fee-Only Financial Advisors

There are two ways a financial advisor is compensated. ”fee-only” or “fee-based. The names sound very similar, but the differences can be like night and day.

Many investments are riddled with hidden fees. As an example, do you know what a 12b-1 fee is? A 12b-1 is an additional fee mutual funds charge for advertising, or paid out as kick-backs to help acquire new clients. What’s worse, is it’s not transparent!

Welcome to Trajan Wealth.

We use no-load investments that do not charge upfront or back end sales charges and we will never use investments with 12b-1 fees. As Fee-Only, we have a fiduciary duty to put your best interest first meaning low- cost and low-fee saving programs. As a fiduciary, We are paid a flat advisory fee and have incentive to grow your portfolio. The more you make, the more we make. We are dedicated to developing unique investment strategies and helping you navigate your present and future financial life, paving a clear path for you and your financial goals.

 

Top Three Mistakes Veterans Make With Their Retirement

Serving in the United States Armed Forces is a career choice that often requires years of sacrifice, dangerous assignments with sometimes not a lot left over when it comes time to retire.

As Desert Storm veteran of the United States Marine Corps, I have experienced many benefits associated with the military. However, I have also witnessed many mistakes veterans (and civilians) make with their pensions and retirement plans. 

Assessing risk shouldn’t be scary.

Risk comes in many shapes and sizes. It is important to understand each of them as well as possible so that you can avoid negative results and feelings. For example, selecting investments outside of the risk you can emotionally tolerate can lead to stress and poor investment decisions; not properly assessing the risk that a fixed asset presents could mean inadvertently hurting your savings’ potential for growth and can impact your access to the funds when you need them. Worst of all, not realizing the inherent risks in the investments you choose completely removes your ability to hedge against them.

5 Reasons People Hate Annuities

Annuities can be some of the most polarizing products in the investment world. As retirement investments, some in the industry swear by them, while some say they are a complicated, overly expensive way to invest. Let’s take a look at five popular reasons why people hate these products, and also some reasons people love them. 

  

Hard to Understand

The annuity would probably never top a list of the most easy-to-understand investment products. For starters, there are several different types of annuity products: fixed, indexed, and variable. There is a disparate set of guarantees and risks for each type, which must be fully understood in order to make an informed decision. The work isn’t done once the product type is selected, either; indexed annuity purchase payments must be allocated among a choice of several interest crediting strategies, and variable products have a menu of mutual fund-like subaccounts to choose from. Selecting an annuity and optimizing the endless options on your own can be a complex task.

What Does Being a Dave Ramsey SmartVestor Pro Really Mean?

Dave Ramsey is one of America’s most trusted voice on money and business matters.  He is a personal money-management expert, radio personality, and author of numerous books. We are excited to be part of the SmartVestor program because Dave’s beliefs about financial education and retirement planning are rooted in the same beliefs as Trajan Wealth. By having the heart of a teacher, and not of a salesman, we dedicate the time needed to listen to your goals and educate you on your investment options. 

4 Biggest Concerns of Pre-Retirees

No one can just flip a switch at age 65, quit his or her job and then start to relax on the veranda with an ice-cold lemonade every day. Before retirement, there are many different plans to make and strategies to put into place. While your individual concerns can vary depending on your situation, there are some common concerns faced by almost every pre-retirees.

ESTATE PLANNING

Most pre- and post-retirees don’t plan to spend all their savings and liquidate all assets during their retirement. For the most part, retirees want to leave behind a legacy to their heirs. But as the economy constricts and it becomes harder to save money for retirement, the thought of leaving a legacy behind becomes a less practical desire.

The plans that a retiree can make in order to provide a legacy to his family after death will vary depending on many things. Some questions that pre- and post-retirees must ask themselves include:

Trajan Wealth

Trajan Wealth helps our clients prepare for a successful future through financial options that are best for your lifestyle. Speak to our financial team today about your future goals and how we can help.

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