Investment Planning

Investment planning is the process of matching your financial goals and objectives with your financial resources. It is a core component of financial planning, and it helps you to achieve your desired outcomes by creating a plan that suits your risk profile, time horizon, and preferences.

Plan For Your Goals Service Areas

  • Asset allocation and location analysis/adjustments according to goals, values, and risk score
  • Creating and evaluating investment policy statements according to goals, values,  and risk score
  • Incentive stock options (ISO), non-qualified stock options (NQSO), restricted stock units (RSU), and employee stock purchase plan (ESPP) option analysis
  • Handling concentrated stock positions
  • How to invest an inheritance or windfall
  • Moving to lower-cost investments
  • Paying off margin interest balances
  • Rebalancing advice and execution
  • Annuity analysis
  • Rental real estate analysis
  • Withdrawal strategies
  • Comfort level, tolerance, and ongoing capacity for market risk

What is the Purpose of Investment Planning?

Investment planning can help you to grow your wealth, generate income, save for retirement, or meet other specific needs.

How Will Investment Planning Help Me Prepare for the Future and Retirement?

Investment planning can help you prepare for the future and retirement by saving, investing, and distributing money to sustain your desired lifestyle after you stop working. Investment planning can help you to:

  • Keep pace with inflation and maintain your purchasing power.
  • Benefit from compounding interest and grow your wealth over time.
  • Reduce your tax burden by using tax-advantaged accounts and strategies.
  • Achieve your retirement goals by estimating how much money you need and choosing suitable investments.
  • Protect your estate by planning for your heirs and beneficiaries.

Some steps to start your investment planning for retirement are:

  • Understand your time horizon: Your current age and expected retirement age determine how long you have to save and invest.
  • Determine your spending needs: Estimate how much income you will need in retirement to cover your essential and discretionary expenses.
  • Calculate your after-tax rate of return: Figure out how much your investments will grow after accounting for taxes and fees.
  • Assess your risk tolerance vs. investment goals: Choose an asset allocation that matches your risk profile, time horizon and objectives.
  • Stay on top of estate planning: Review and update your will, trust, beneficiary designations, power of attorney and health care directives.

How Will Plan For Your Goals Help Me With Investment Planning?

David can help you with investment planning by assessing your financial situation, understanding your goals, and creating a plan that suits your needs. He can also help you with:

  • Choosing suitable investments based on your risk tolerance, time horizon and objectives.
  • Managing your portfolio and adjusting it as your circumstances change.
  • Reducing your tax liability by using tax-efficient strategies and accounts.
  • Protecting your assets by recommending appropriate insurance coverage and estate planning tools.
  • Providing objective and professional advice that can help you avoid costly mistakes and achieve your financial goals.
  • The type of financial planning service that is best for you will depend on your budget, preferences, and complexity of your situation.

What are Some Disadvantages of the Do-It-Yourself Way of Investment Planning?

Some disadvantages of the do-it-yourself way of investment planning are:

  • Lack of professional advice and guidance: You may miss out on valuable insights and recommendations from experts who have more experience and knowledge than you.
  • Steep learning curve: You may have to spend a lot of time and effort to research, analyze, and monitor your investments, and keep up with the changing market conditions and regulations.
  • Emotional bias: You may be prone to making irrational decisions based on fear, greed, or overconfidence, which can hurt your long-term returns.
  • Costly mistakes: You may make errors in choosing, executing, or rebalancing your investments, which can result in lower performance, higher taxes, or legal issues.
  • Lack of diversification: You may have a limited access to a variety of investment products and strategies, which can expose you to more risk and volatility.

Simple Path to Improve Your Financial Condition

Man checking financial status on his mobile

Step 1:

Select a Consultation Service

My services are designed to be flexible and meet your needs. Whether you're looking for a basic evaluation, help with a key area of your finances, or comprehensive financial planning, you'll find it here.

Man checking financial status on his mobile

Step 2:

Understand Your Real Financial Condition

Working together we will determine your financial needs. We’ll assess what is effective or problematic, and what is hindering your progress. With a clear understanding of your financial condition, you can make smarter choices.

Man checking financial status on his mobile

Step 3:

Plan a Better Future

Getting the knowledge and guidance you need from a financial professional is an investment in your security and hope for the future. And it’s not just for you, but for the people who depend on you.

David Roberts - Financial Planner and Advisor of Plan For Your Goals

David Roberts, Owner: Plan For Your Goals

You Deserve a Better Future

Affordable financial advice with flexible options that fit into your tight schedule can be difficult to find. That's why so many people struggle to make smart money decisions. At Plan For Your Goals my clients get the financial planning, coaching, and resources they need to make better decisions and plan a better future.