SmartVestor Investment Seminars with Jeff Junior.

 

Empower yourself with knowledge and avoid life-changing mistakes – Be confident in your financial decisions in 2018! Join local radio host, TV personality and Dave Ramsey advisor, Jeff Junior for a complimentary meal and educational seminar at Flemings Steakhouse and learn: 

What does it mean to be a Dave Ramsey Smartvestor advisor and how does that benefit you? 

What is a “trusted fiduciary” and why is he or she bound and focused, solely on your best interest.

Why a first or even second financial opinion is critical to surviving 20-40 years of retirement.

How to be confident you’re making the best choices with your life altering decisions

What makes Trajan Wealth different and better than others.
– and much more!

Seating is limited and the event will fill quickly.  Please call 480-990-3300 for more information and to reserve your seat. 

Financial Advisor or Broker? Key Differences You Should Know.

* This original article was published on KTAR.com 

Volatile market swings create emotional minefields for many. Investors aren’t sure what to do to safeguard their money and often the people they assume can be trusted don’t have the customer’s best interest in mind.

In the financial arena, most professionals carry one of two designations: broker or registered investment adviser. Both deal with financial and investment products and it’s a safe bet that most people assume they do essentially the same job.

There is, however, a significant difference. Registered investment advisers are held to a fiduciary standard while brokers must comply with a suitability standard.

The suitability standard gives advisers the most wiggle room: It simply requires that investments must fit clients’ investing objectives, time horizon and experience.

Features of Annuities That Are Better Than Ever Before

You may have heard the saying, “It’s not your father’s annuity. That’s because annuity products have evolved significantly throughout the past decade. This has also contributed to an environment full of mixed messages regarding the pros and cons of annuities.

We recently wrote a blog on ‘Why People Hate Annuities’ but the truth is, there are plenty of reasons why to love them too. Joint policies for married couples, death benefits and guaranteed income for the rest of your retirement are just a few. Read the full article on KTAR News  and call us to see if Annuities make a good match for your portfolio.

 

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. 

3 Reasons Investing In Mutual Funds Might Not Be Your Best Bet

Trajan Wealth Mutual Funds

Trajan Wealth Mutual Funds

There’s no doubt mutual funds remain one of the most popular investment choices. The better-known funds are fairly safe, have occasionally better returns and take a lot of the guesswork out of investing for the shareholder. In these ways, they are an alternative to the blue-chip stock for investors who want to either participate in an entire category or automatically diversify their portfolio without all the heavy lifting. 

However, mutual funds are not the answer for every investor. There are some situations where having the extra bulk of a fund can work against an investor. Believe it or not, there are some financial advisors who prefer to downplay these potential disadvantages because they believe the offsetting benefits of a mutual fund can make up for the shortfall.

If you have always believed mutual funds are one of the only ways to invest, read on. There are some important things to consider before choosing a mutual fund.

Six Resources to Learn More About Finances and Investing

Just because you have a Financial Advisor doesn’t mean you should stop learning about finances. Being an educated investor will help you choose the right Financial Advisor with confidence and help you articulate your financial needs. Although finding up to date, unbiased information on investing can seem like a daunting task, here are a few suggestions to stay informed.

A Random Walk Down Wall Street – Burton Malkiel
If you talk to money experts, you are likely to get several recommendations for this authoritative investing book. Mr. Malkiel is an economist and investment manager offering comprehensive yet easy-to-read guides to investing. He details the need to comprehend life-cycle saving. The book provides an excellent introduction to the world of markets and investing as well as how the two work together.

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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