Rodger Sprouse

Allowing Your Risk Tolerance to Dictate Your Investment Strategy

Investing Appropriately, According to Your Risk Tolerance May Let You Sleep Better A mismatch between a retirement plan and its owner can cause disastrous results in the near and long term. Risk-averse investors do well to sacrifice some rewards to achieve peace of mind. Diversified asset allocations can meet the different needs of individuals and couples in retirement. Watch the interview with investment adviser representative Rodger Sprouse. Like a poor-fitting garment purchased for all the wrong reasons, a retirement portfolio that does not suit its owner will only cause ongoing discomfort. The resulting anxiety can incite nervous short-term decisions...

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Mutual Fund Diversity May Need to Add Fees into the Equation

Investors Often Underestimate Mutual Funds’ Annual Fees by 50% Regulations striving for full disclosure are bringing light to impactful fees often missing from prospectuses. The burden of knowledge is with the investor in order to overcome representatives’ miscommunications or obscure product literature. Watch the interview with investment adviser representative Rodger Sprouse. Investors holding mutual funds in taxable accounts for the sake of diversity are often – and surprisingly – left holding the bag on unanticipated fees and taxable events that can compromise returns. While many assume that total fees are roughly 1%, the total may be much higher when...

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Foundational Income is the Strength of Retirement

Building Your Retirement Foundation Upon the Footings of Guaranteed Income Life’s ongoing expenses, regardless of age, require regular infusions of income. An understanding of how assets fall on the risk/reward continuum, and even the discovery of forgotten assets, can facilitate a low-stress retirement. Watch the interview with investment adviser representative Rodger Sprouse. Just as a pyramid has three vertical sides, the base layer of retirement’s pyramid of investment has three primary components: Social Security, pensions and annuities. With the common bond of lifetime income and low-to-no risk, each can play a significant role in meeting standard monthly expenses such...

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The 3 Keys to Vetting Your Retirement Plan Adviser

Investors are Best Served by Advisers who Value Client Suitability The abundance of information targeting retirees is as often as much a source of confusion as it is a solution. Retirees can cut through the clutter by choosing to work with an accredited adviser in an increasingly do-it-yourself world. Watch the interview with investment adviser representative Rodger Sprouse. Just as diamond buyers value cut, color and clarity, investors can focus on three C’s – Comprehensiveness, Compatibility and Consistency – when seeking a trusted retirement plan adviser. Investors might ask themselves these questions in the review process: 1. Is the...

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Retirement Planning Requires Deep Diversification

Vertical Portfolio Diversification Includes Taxes, Time, Liquidity and Risk. A portfolio with a variety of holdings is not necessarily a diversified portfolio. Investors who only strive for a blend of assets may be missing out on the protection and opportunities provided by an asset mix that covers risk, changing times and market volatility. Watch the interview with investment adviser representative Rodger Sprouse. Although the practice of “not putting all your eggs in one basket” is common, a truly diversified portfolio occurs less frequently in retirement. For a retirement plan to endure, it’s not enough to spread wealth among a...

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