** Phoenix Financial, is a former RIA (Registered Investment Advisory) firm with the Commonwealth of Massachusetts.
Presently structured as a Sole Proprietorship with the Commonwealth, the firm is in the process of restructuring as a Limited Liability Corporation.
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Where Are You Within The Household Financial Life-Cycle?
Frequently neglected when determining ones overall financial health, a DTI & budget analysis are critical BEFORE truly addressing Capital Growth.
DEBT-TO-INCOME RATIO & BUDGET ANALYSIS
PROJECTING FOR RETIREMENT
Accumulating wealth during the highest-earning years is especially important. A thorough analysis is critical in determining your current track. Having a thorough understanding of one's savings effectiveness allows one to better consider changes so that they're better aligned with their retirement goals.
Having a good understanding of what is needed WELL BEFORE retirement is much more effective than WAITING until Retirement & Social Security benefits are within arms length. Understand where you stand with respect to this incredibly important metric.
THE MODELS & ANALYSIS THAT ASSIST US :
PROJECTING WEALTH ACCUMULATION
529 College Savings Plans
Self-Employed Plans (SEP, SIMPLE)
ASSET ALLOCATION & DIVERSIFICATION
CONTINUOUS MONITORING & RE-BALANCING
A less-commonly mentioned but equally important component. a great deal of the market losses incurred during the "Great Recession" resulted from insufficient preparation in this respect.
We are experts in proper Asset Allocation, Diversification & wider Portfolio Construction theory. Whether it's the more traditional Strategic or more dynamic Tactical & Core-Satellite, we'll sit down and explain all of your options.
Constant monitoring is a critical component to true Portfolio Construction and management. We use Traditional & non-Traditional methods based on the individual as well as on macro-conditions.