Tom Meaglia, ChFC®

Chartered Financial Consultant

AEP®, CLU®, MSFS

Investment Advisor Representative

CA Insurance Lic. #0567507


Meaglia Financial Consulting

2105 Foothill Blvd., #B140, La Verne, CA 91750


Toll Free: 800-386-3700

Bus: 909-593-6105

Cell: 818-681-8600

Fax: 909-593-6120


Email: meaglia@earthlink.net

Website: www.meagliafinancialconsulting.com

September/October 2018

Life Stage Investing

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When you have a comprehensive investing strategy, sticking to it during good and bad times is often the way to go. Sometimes, though, life happens and you need to make a change. Here is a sampling of life stages and how they might affect an investing strategy.


Starting Out
Listen up Millennials! Retirement may seem a million years away, but the dollars you put away today for retirement will never have more potential than now. That’s because the combination of time and compounding works best for the longest timeframes. So, know that contributing even a little to your company 401(k) plan or IRA may pay off in the long term, because time can potentially help your investments* overcome market volatility.


Mid-Life Changes
We get that saving for a comfortable retirement is far from your only financial goal. Marriage, divorce, children, paying for college, concerns about a parent’s long-term care and more can complicate financial matters during mid-life.


If at all possible, continue contributing something toward your retirement. Examine financing alternatives for other goals. Perhaps you might consider talking to an elderly parent about long-term care funding options, including insurance. Save for a child’s education through a 529 plan or other education savings vehicle, while exploring financial aid.


Ultimately, you can borrow for many things, but retirement isn’t one of them, so stick to your retirement investing strategy as closely as you can.


Near Retirement
Nearing or during retirement, investors typically safeguard retirement plan assets by adopting a more conservative investment strategy than when they were in the accumulation phase. This is the stage of investing where many investors may reduce their portfolios’ risk. You may, however, want to not only preserve gains you may have accumulated, but continue investing a portion of your money in equities to help you keep pace with inflation.


Work with a financial professional to help keep your investing strategy on track, no matter what stage of life you’re in.


* Past performance won’t guarantee future results.


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Investment advisory services offered through Fusion Capital Management, an SEC Registered Investment Advisor. 870 S. Denton Tap Road, Suite 250 Coppell, TX 75019
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