John Montgomery’s Post

A thorough review about the evolution of Managed Accounts in 401(k) plans. Have Managed Accounts realized their potential of offering participants a custom, personalized target date investment strategy. The article appropriately notes that a key success factor is participant engagement by providing detailed information about their finances. Other considerations are which investment option participants choose. Do they elect for only a one time allocation. Or ongoing investment management which allows the program to rebalance assets periodically. Also important for the program to build in retiree healthcare expense and social security projected benefits assumptions.

This Is Money reporting on the The Association of Investment Companies (AIC) expert recommendations for those saving into a #pension. 'During the accumulation phase when #growth and #diversification are essential, I recommend Worldwide Healthcare Trust.' #Healthcare #GlobalPortfolio Investments involve risks. The value of investments and income derived from them may go down as well as up and you may not receive back all the money which you invest. Past performance is no guarantee of future performance.

Digital tools are bringing promised productivity gains to advisors. According to Schwab's RIA Benchmarking study, top-performing firms (who more often use digital tools, workflows, and segmentation strategies) annually spent around 20% less time per client on operations and about 10% more time per client-on-client service than the median firm in the study. Additionally, these digital tools are enabling better client segmentation. The study says this is critical to long-term business sustainability as it can help firms align revenue with cost to serve—while also freeing up capacity for advisors to focus more time on serving clients and generating new business. Schwab’s RIA Benchmarking Study is the leading study in the industry, with data gathered from 1,300 advisory firms, representing over $1.7 trillion in AUM. Read the Schwab RIA Benchmarking Study: https://bddy.me/3SAYtCF Contact us to learn how we can help with your retirement plan design: https://bddy.me/3MzdQaO #financialadvisors #retirementplanning #planprospecting

What do you think? I agree with the premise of this article but I have a little different take on the message. Here is where I agree: - Yes, we need an emergency fund. - Yes, budgets are tight and I am confident we are tapping into retirement and credit cards to cover short-term needs. Where I think differently: I am not sure I agree we need another product to cover the gap. I suspect in some cases it will help especially since not everyone budgets well. Spending more due to poor budgeting seems like a plan B not plan A. I do believe we can find trapped or wasted funds going into our health plans. Yes, this is what I do every day so for me it is obvious. I still find too many employers who are unaware of the simple adjustments that can be made without major disruption to your healthcare. It's a top 2-3 line-item expense and if you could save 20-40% with a different approach and provide a better health plan........wouldn't that be a better strategy? Opportunity exists with transparency, aligned incentives, network and digging into your RX strategy. You might not even need change, you might just need someone to read your contracts and deliver what you are already paying for. I love that part of our discussion yesterday Kareim R. Cade https://lnkd.in/e5t6Rqng

Defined contribution plan investment options can meet the needs of any employee—from the novice to the expert. https://lnkd.in/eWzzfffA

With strategic contributions and smart investment choices, it’s possible to accumulate over $1 million in your HSA by the time you retire. #HSAInvesting #Healthspan #Wealthspan

Procrastination is the art of keeping up with yesterday. Embrace the Power of HSA Investing for a Brighter Future! 🌟💼✨ Don't Miss Out on Maximizing Your Health Savings Account Potential! Act Now! ⏳🏦📈 Summary: Despite Lennar's underperformance compared to the broader Nasdaq Composite, Wall Street analysts remain cautiously optimistic about the stock's outlook. As a seasoned Investment Advisor with extensive experience in investing with HSA accounts, I encourage you to seize the opportunity to grow your health savings and secure a prosperous future. Investing with your Health Savings Account (HSA) offers a unique blend of healthcare and financial benefits. By leveraging the power of HSA investing, you can not only cover medical expenses but also harness the potential for significant growth over time. With hashtags such as #hsa #investing #healthcare #health #family #wellness, we recognize the importance of holistic financial planning that encompasses your well-being and family's future. Don't let the fear of missing out (FOMO) hold you back! Take control of your financial destiny and unlock the doors to a brighter tomorrow. Our expert guidance and proven track record have consistently outperformed even prominent investors like Ray Dalio. Let us help you navigate the intricacies of HSA investing and optimize your returns. Act now, invest wisely, and secure a prosperous future for yourself and your loved ones. Join the HSA investing revolution today! 💪💰🚀

Beginning your investment journey can be intimidating enough. Throw in the plethora of accounts that are offered and you can easily become overwhelmed. This week on Yield to Maturity we review different investment accounts: https://lnkd.in/dsJ56T32

**A year from now you may wish you had started today** **Investing in Your Health: Grow Your HSA Account for a Brighter Future** 💪📈💰 Are you ready to take control of your financial health? With the rising costs of healthcare and the need for robust savings, it's time to harness the power of your Health Savings Account (HSA) and make it work harder for you. As a veteran Investment Advisor, I can guide you towards maximizing the potential of your HSA investments and help you secure a brighter future for yourself and your loved ones. **Unveiling the Power of Entergy: A Double-Digit Profit Increase on the Horizon** 🔍🚀💼 Exciting news awaits HSA investors this month as Entergy, a leading energy company, prepares to release its fiscal second-quarter earnings. Industry analysts are projecting a double-digit profit increase, setting the stage for a potentially lucrative investment opportunity. By strategically allocating a portion of your HSA funds towards this promising stock, you can position yourself for substantial gains while strengthening your health-related savings. **Seize the Opportunity: Invest in Entergy Today** 🔒🤝🌟 Don't let the Fear of Missing Out (FOMO) hold you back! Take action now and seize the opportunity to invest in Entergy before their earnings report is released. By leveraging your HSA account and making informed investment decisions, you can proactively grow your savings while contributing to the well-being of yourself and your family. #hsa #investing #healthcare #health #family #wellness 🌱💪📊💡 Let me guide you towards unlocking the full potential of your HSA. Contact me today to embark on an empowering investment journey that caters to your financial and health-related goals. Together, we can build a future that is both financially secure and physically prosperous.

Crafting a comprehensive investment policy statement is crucial for creating successful outcomes in a 401(k). Here are some key areas to make sure your IPS is covering: 1. Investment objectives: Define your goals and objectives. 2. Risk tolerance: Assess your risk tolerance and set appropriate parameters. 3. Time horizon: Determine your investment time frame. 4. Asset allocation: Allocate your investments across different asset classes. 5. Diversification: Spread investments to mitigate risk. 6. Investment guidelines: Establish specific selection criteria. 7. Performance benchmarks: Set benchmarks for evaluation. 8. Monitoring and review: Regularly review your portfolio. 9. Reporting and communication: Stay informed about your investments. 10. Rebalancing strategy: Maintain desired asset allocation. By addressing these areas, you'll have a clear framework for informed decision-making and ongoing management. #InvestmentStrategy #WealthManagement #LetsWinWithMoney #LinkFinancialAdvisoryMt #401k #403b #CashBalancePlan Feel free to use this post on your LinkedIn profile, and let me know if there's anything else our team can assist you with when it comes to your employer sponsored retirement plan!