Roadmap Financial

Two questions can help you put investing and retirement into perspective. These questions may help you establish the appropriate risk tolerance going forward.

CIMG0102First Question:  How would your lifestyle change if you had a 30 to 50% gain in your investment portfolio?

Many respond by saying that they might spend or travel a little more or just feel more secure.

Nothing would dramatically change.

CIMG0102Second Question:  How would your lifestyle change if you had a 30 to 50% loss in your investment portfolio?

Many respond by saying that they would be devastated or have to move to a smaller home or drop a club membership or some other dramatic change.

The loss potentially has a more dramatic affect in their mindset and lifestyle.

This is the primary reason why many Americans are far more concerned with protecting what they have accumulated rather than chasing risky investments.

Are you prepared for the possibility of another major market sell off?

We believe that everyone should understand how their portfolio stacks up against Tactical Asset Management. Tactical Asset Management manages stock and/or bond assets with the ability to go “Risk Off” to cash as well as to potentially make money regardless of whether the stock market goes up or down or if interest rates go up or down.

In addition to being the Founder and President of Roadmap Financial Consulting, LLC – Glenn Mosseller is an Investment Advisor Representative for Horter Investment Management,  a Registered Investment Advisor. With more than $1 Billion of assets under management, Horter Investment Management offers an investment management system designed for retirees and conservative investors to create low risk, low volatility portfolios. Please visit the Horter Investment Management website for more details.

Horter Retirement Money Management System            Horter Quoted In The Media

Jack Bogle, Founder of The Vanguard Group says to prepare for at least two declines of up to 50% over the next decade - April 1, 2013

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This web site may contain concepts that have legal, accounting and tax implications. It is not intended to provide legal, accounting or tax advice. You may wish to consult a competent attorney, tax advisor, or accountant.

Investment advisory services offered through Horter Investment Management, LLC, a SEC-Registered Investment Adviser. Horter Investment Management does not provide legal or tax advice. Investment Adviser Representatives of Horter Investment Management may only conduct business with residents of the states and jurisdictions in which they are properly registered or exempt from registration requirements. Insurance and annuity products are sold separately through Roadmap Financial Consulting, LLC. Securities transactions for Horter Investment Management clients are placed through Trust Company of America, TD Ameritrade, Jefferson National Life Insurance Company.

Your investment advisor may recommend third-party money managers who utilize investment strategies designed to minimize portfolio volatility and reduce the risk of declines in account values. Like any other investment strategy, this approach entails risks, including the risk that client accounts can still lose value and the risk that a defensive position may, at any given point in time, prevent client accounts from appreciating in value.

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