“Determine the thing that can and shall be done, and then we shall find the way.”   

-Abraham Lincoln   

Although it seems obvious, one of the first steps in analyzing your situation is to discover what goals are important to you.  In our experience, especially for couples, in-depth questions and careful listening are necessary.     

Life goals are not just about how much money you may have.  Its more about what type of life you want to live.  Are you interested in actually retiring at an early age?  Do you want to change what you are doing, taking on challenges that may pay you less but you would find more satisfying?  Do you have particular hobbies that add value to your life, e.g. travel, golf, boating, charitable endeavors, etc.?  Do you want to support your children or grandchildren through college?  What kind of legacy do you want to leave for your family?         

Your vision of your life and the lives of your loved ones  sets these goals.  Once this vision is articulated, the next step is to define the amount of savings it will take to accomplish your life plan.  Some of the typical questions must be explored including:                       

How much in assets will you need?                       

How much have you saved already?                       

How much time do you have to build your assets?                       

Are you regularly setting aside enough to reach the financial goal?                       

Which investment mix will help you reach your financial goals?                       

Listening to you, Holt-Smith Advisors learns about your financial and life objectives.  Our client relationships are built on understanding you.  As an independent boutique firm, we work only for you, the client.  Your goals become our goals.  We exist to help you make sense of the different investment options available and how they may or may not fit with your financial goals and ultimate life goals.           

What we discuss together is written into an Investment Plan which sets the investment guidelines for your account.  Only then can we design a portfolio to work towards your vision.  This plan is regularly reviewed and updated as needed.             

Contact us below to find out if your vision is within reach.