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 Most people work hard all their lives to accumulate wealth, but never feel financially independent. They work for years to meet needs and save for the future, but don’t know when they can actually stop accumulating and live comfortably. Driven by the fear of running out of money, they may continue to work hard at accumulating when many could actually be enjoying the fruits of their labors.
Sound Investment Strategy
Regardless of your position on the Wealth Continuum, we view your holdings in three major buckets. Each works to support the others, and each is geared to a specific time horizon. The Cash Bucket contains the money you need kept liquid for emergencies and short-term expenses. The Income Bucket holds investment funds with an emphasis on income, and replenishes the Cash Bucket when needed. The Accumulation Bucket contains the remainder of your reserves, allocated to historically higher-returning investments. While this bucket will be impacted more by market cycles, it is designed for long-term growth. This reserve is used to replenish the Income Bucket as needed. A fourth bucket, the Protection Bucket, represents programs such as long-term care, disability, life, and liability insurance that protect your wealth portfolio against catastrophic loss.
SCHEDULE YOUR GET ACQUAINTED MEETING TODAY – 518-465-6447
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©2013 Empire Asset Management Group, LLC. All rights reserved.
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