White House Financial & Settlement Consulting, LLC helps families live an easier and less stressful life through the achievement of their financial goals by providing comprehensive, fee-only, client focused financial advice and exceptional service.
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The Media and Investment Strategy
The media has been
reporting that market indexes are hitting a new high, which can make many
people feel that their portfolio is not doing as well as "everyone else's”.We must be very careful when we let the media
dictate our investment strategy.Based
on our experience, when this happens, it is important to keep the following
things in mind:
1.) The media's first
priority is to make a profit by selling advertising, not to make you a profit
by making good investment decisions.
2.) Most people only tell
you about how much money they have made in their portfolios, not how much they
3.) Our fist job as a
financial advisor is to understand the level of risk that you can take and to
do everything we can to preserve your capital.Our second job is to help you maximize the growth of your portfolio,
given the amount of risk you can afford to take.
4.) The Dow Jones
Industrial Index or S&P500 index being at a seven year high means that it
has had almost a ZERO return in seven years!
5.) The market
indices (e.g., The Dow Jones Industrials, S&P500, etc.) are only a small
fraction of the overall financial market.
6.) If you try and
time the market you WILL LOSE most of the time.
7.) Depending on what
time frame you are using, you can draw completely opposite conclusions about
So what then is an
investor to do?Stick to your plan and
good money management tenets such as:
1.) The amount you
save and at what frequency are more important than what you invest in.
2.) Do not have your
"eggs" in only a few baskets.
3.) Rebalance your
portfolio at fixed periodic intervals no matter what the market is doing.
House Financial & Settlement Consulting helps families live easier and less
stressful lives through the proper management of their financial
resources. We do this by acting as our clients’ trusted advisor providing
a personal touch customized to the client’s needs! Please visit our web
site at www.whitehousellc.com or
contact us directly for more information!
be aware that we do not provide tax or legal advice, and that the information
set forth herein was obtained from sources which we believe reliable, but we do
not guarantee its accuracy.Neither the
information nor any opinion expressed constitutes a solicitation by us of the
purchase or sale of any securities or commodities.In addition, past performance is no guarantee
of future results.Diversification does
not guarantee against loss; it is a method used to help manage risk.
White House Financial & Settlement Consulting, LLC
COMPREHENSIVE – CLIENT FOCUSED –
South Main Street • Suite 300 • Chelsea, Michigan 48118 • Phone: (734) 433-1670
• Fax: (734) 433-1671
We often hear from our plaintiff attorney clients that their clients should not use a structured settlement annuity due to the current low interest rate environment. Their thought is that their clients can do better in other financial instruments such as the stock market. This logic fails to take into the consideration one of the best features of a structured settlement annuity which is its income tax FREE GUARANTEED payments. I am a financial adviser and Certified Financial Planner with over 20 years of experience who can advise clients regarding ALL financial options and not simply limited to Structured Settlement Annuities. I have witnessed MANY high and low interest rate environments and MANY claimants who were going to "get a higher rate of return" outside of a structured settlement annuity who are now OUT OF MONEY! Remember, it doesn't matter what rate of return you are getting if the balance of your investments is ZERO! But don't just take my word for i
Please watch this excellent video where e xperienced and successful personal injury attorney, Thomas M. Bond from the firm of Kaplan/Bond in Boston tells you why a structured settlement is the best choice for the longterm financial security for you and your family when your lawsuit settles for a large sum. Hear how one man made the wrong choice and tragically lost everything. www.whitehousellc.com