We are SEC-registered investment advisors dedicated to focusing clients on the important decisions necessary to manage their wealth. By combining actionable planning advice with objective investment guidance, we strive to enable clients to achieve their financial goals and shape their legacy for generations to come.
Asset allocation is the process of selecting a mix of asset classes that closely matches an investor’s financial profile in terms of their investment preferences and tolerance for risk. It is based on the premise that the different asset classes have varying cycles of performance, and that by investing in multiple classes, the overall investment returns will be more stable and less susceptible to adverse movements in any one class.
The financial planning process at Stegent Equity Advisors, Inc. begins with an in-depth evaluation of your current financial situation. Once we’ve established your overall objectives, we’ll focus on your specific goals. With changing economic conditions and market swings, we advocate investing sensibly over the long run and maintaining an adequate level of insurance coverage.
Retirement planning today has taken on many new dimensions that never had to be considered by earlier generations. For one, people are living longer. A person who turns 65 today could be expected to live 30 or more years in retirement as compared to a retiree in 1950 who lived, on average, an additional 15 years. Longer life spans have created a number of new issues that need to be taken into consideration when planning for retirement.
As people in this part of the world know, hurricanes can be unpredictable. With both hurricanes and personal financial planning, the uncertainty causes some people fear, panic or inaction. For others, the uncertainty drives active, disciplined preparation. That preparation doesn’t change the unpredictable path of a hurricane or the unexpected arrival of a global pandemic or the ever-surprising twists and turns of life. But it’s critical in how each of those things impacts us.
A common question we receive from clients is whether they should gift certain assets to their children or include them in their estate to pass via inheritance. The answer is nuanced and complicated and includes both quantitative and qualitative factors. One significant piece of the puzzle has to do with the tax consequences of each option.