September has earned a rather unpleasant reputation on Wall Street. According to historical data compiled by Yardeni Research, the S&P 500 averaged a 1.2% decline during September from 1928 through 2023, making it the weakest month of [...]
We focus on helping you strengthen your retirement strategy.
At Firm Foundation Wealth Advisors, our approach goes beyond investment management. In this complimentary retirement review, we’ll help you understand where your plan stands, identify potential risks or gaps, and see whether your current strategy aligns with your goals, values, and long-term income needs.
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Six fundamental financial planning considerations include but are not limited to Longevity, Liquidity, Inflation, Market, Mortality, and Taxes.
Investment advisory and financial planning services are offered through Simplicity Wealth, LLC, an SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm nor does it indicate that the adviser has attained a particular level of skill or ability. Investing involves the risk of loss. Insurance, Consulting and Education services offered through Firm Foundation Wealth Advisors. Firm Foundation Wealth Advisors is a separate and unaffiliated entity from Simplicity Wealth.
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Risk tolerance is an investor’s ability to remain invested during downward market cycles in exchange for a potential return.
Within the initial review, we help you understand your risk threshold. We do this by deploying a Value at Risk (VaR) Analysis that helps us quantify attitudes toward financial uncertainty, specifically one’s emotional tolerance with respect to the magnitude and speed of potential investment loss.
This analysis produces a VaR Score that is indexed on a scale from conservative to aggressive. The VaR Score can help us determine if the current portfolio aligns with your risk tolerance and provides insight as to whether changes to that portfolio are needed.
At Firm Foundation Wealth Advisors, we believe the value of retirement planning isn’t found in a single account, investment, or product—it is found in the power of coordination.
Our process begins by establishing your foundation. By utilizing The Three Income Engines, we help design structured income strategies to cover day-to-day living expenses, seek stability through volatile market conditions, and capture growth-oriented investments designed to help preserve purchasing power. This keeps your assets working for you in a tax-efficient manner that preserves wealth and designed to help keep you funded for both planned goals and unexpected opportunities.
With your foundation set, we then address The Five Pillars of Retirement—ensuring your income, investments, taxes, healthcare, and legacy are fully aligned. By coordinating these elements into a single, cohesive strategy, we aim to help you transition into retirement with confidence, knowing your plan is built around your goals, your values, and your life.
