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Tom Meaglia, ChFC®, AEP®,
CLU®, CRPC®, MSFS
Chartered Financial Consultant
Investment Advisor Representative
Chartered Retirement Planning Counselor
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: tom@meagliafinancialconsulting.com
Website: www.meagliafinancialconsulting.com
January/February 2019
Time to Tweak Your Portfolio
Are you starting another New Year the same old way as last year? Are you happy with how your investments are performing? Do you know what your investment returns are, or are they on auto pilot? This may be the perfect time to take a fresh look at your holdings and fine-tune where necessary.
Review Your Goals
Investing is a means to an end. Examine what your “ends,” or goals, are and see whether your investing choices are helping you move closer to these goals.Revisit Your Time Horizon
Maybe your child is taking a year off and you have extra time to save for college. Or perhaps you’re newly considering an early retirement. To move closer to any financial goal, review the time necessary to achieve it.Find Your Risk Tolerance
Births, deaths and divorce can alter your plans and change how you view investment risk. Generally, risk is less desirable as goals near and more palatable when you have more time. Work with your financial professional who can factor in your unique requirements.Keep an Appropriate Investment Mix
Allocate your assets* in a way that meets both your time horizon and risk tolerance.Learn Something New
For many of us, this means reviewing mutual fund** prospectuses for investments in our 401(k)plans. Read through a fund’s prospectus to make sure you understand its strategy and investing approach.
Meet Your Match
If your employer offers to match a portion of your 401(k) plan contributions, make an effort to putin at least what qualifies for the match.
Up the Ante
Depending on your plan’s limits, you may want to contribute more. Consider pay raises, bonuses, money from part-time jobs, inheritances and other windfalls as sources of extra money to contribute.*Asset allocation won’t guarantee a profit or ensure against a loss, but may help reduce volatility in your portfolio.
**You should consider the fund’s investment objectives, charges, expenses and risks carefully before you invest. The fund’s prospectus, which can be obtained from your financial representative, contains this and other information about the fund. Read the prospectus carefully before you invest or send money. Shares, when redeemed, may be worth more or less than their original cost.
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Investment advisory services are offered through Fusion Capital Management, an SEC Registered Investment Advisor. The firm only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. SEC registration is not an endorsement of the firm by the commission and does not mean that the advisor has attained a specific level of skill or ability. All investment strategies have the potential for profit or loss.
Meaglia Financial Consulting and LTM Marketing Specialists LLC are unrelated companies. This publication was prepared for the publication’s provider by LTM Client Marketing, an unrelated third party. Articles are not written or produced by the named representative.
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