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As you approach retirement, it may be time to pay more attention to investment risk.
Offered by T. Lloyd Worth, Worth Financial Partners

Worth FinancialIf you are an experienced investor, you have probably fine-tuned your portfolio through the years in response to market cycles or in pursuit of a better return. As you approach or enter retirement, is another adjustment necessary?

Some investors may think they can approach retirement without looking at their portfolios. Their investment allocations may be little changed from what they were 10 or 15 years ago. Because of that inattention (and this long bull market), their invested assets may be exposed to more risk than they would like.

Rebalancing your portfolio with your time horizon in mind is only practical. Consider the nature of equity investments: they lose or gain value according to the market climate, which at times may be fear driven. The larger your equities position, the larger your losses could be in a bear market or market disruption. If this kind of calamity happens when you are newly retired or two or three years away from retiring, your portfolio could be hit hard if you are holding too much stock. What if it takes you several years to recoup your losses? Would those losses force you to compromise your retirement goals?

As certain asset classes outperform others over time, a portfolio can veer off course. The asset classes achieving the better returns come to represent a greater percentage of the portfolio assets. The intended asset allocations may be thrown out of alignment.¹

Just how much of your portfolio is held in equities today? Could the amount be 70%, 75%, 80%? It might be, given the way stocks have performed in this decade. As a StreetAuthority comparison notes, a hypothetical portfolio weighted 50/50 in equities and fixed-income investments at the end of February 2009 would have been weighted 74/26 in favor of stocks by the end of February 2018.¹

Ideally, you reduce your risk exposure with time. With that objective in mind, you should regularly rebalance your portfolio to maintain or revise its allocations. You also may want to apportion your portfolio, so that you have some cash for distributions once you are retired.

Rebalancing could be a good idea for other reasons. Perhaps you want to try and stay away from market sectors that seem overvalued. Or, perhaps you want to find opportunities. Maybe an asset class or sector is doing well and is underrepresented in your investment mix. Alternately, you may want to revise your portfolio in view of income or capital gains taxes.

Rebalancing is not about chasing the return, but reducing volatility. The goal is to manage risk exposure, and with less risk, there may be less potential for a return. When you reach a certain age, though, “playing defense” with your invested assets should be a priority.

*Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk in all market environments.

T. Lloyd Worth may be reached at (303) 558-0214 or email: Lloyd.Worth@LPL.com, www.WorthWealthManagement.com

This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note – investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.

Securities and Advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC (www.finra.org / www.sipc.org)

Citations.
¹ – nasdaq.com/article/how-to-prepare-your-income-portfolio-for-volatility-cm939499 [3/26/18]

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Worth Financial Partners

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Offered by Dolan & Associates, P.C.

Bill and Jane’s daughter has struggled since the accident. She was only 13 when it happened, but it was clear she would be disabled for the balance of her life. Now 23, she is dependant upon government assistance for her survival and medical care.

Bill and Jane thought they did not need estate planning. Why not just put everything in joint tenancy, because “it is simple and may avoid probate.” Thinking about their disabled daughter, they sought guidance from a counseling-oriented attorney who took time to learn more about them, their estate, and their goals. Their primary objective was to protect their daughter after they died. The attorney worked with them to put together a plan that would place their savings, life insurance and home in a trust for their daughter, following their deaths. This would prevent the assets from disqualifying their daughter from the benefits she is receiving from government programs. As a result, the inheritance can pay for things the government programs do not cover, providing additional comfort to their daughter.

Estate planning can and should be more than avoiding probate and saving taxes. A properly designed estate plan can provide many additional advantages that protect your family. Most of these protections are ignored in basic estate plans. Individuals should look closely at all of the benefits a properly designed estate plan can provide to them while they are alive, and provide to their spouses and their families after their death. Does your estate plan address these types of issues?

If you would like to learn more about an alternative estate planning process that is producing great results for families, please visit: www.EstatePlansThatWork.com to sign up for a complementary educational workshop.

Click here to view Dolan & Associates on The Brighton Buzz Business Directory

Dolan & Associates | Estate Plans

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Offered by Brian Holley – Farmers Insurance

Farmers InsuranceDo you ever feel tethered to your smartphone? Although it’s great to feel connected to your friends, family and the world around you at all times, spending too much time on your phone can be bad for your mental health. According to studies, cell phones, and smartphones in particular, have an undeniably addictive quality, earning an entry in the Diagnostic and Statistical Manual of Mental Disorders (DSM) 5th edition.

Why not try a digital detox? It will help you to avoid the stress of the constant barrage of economic news, as well as possibly protect a bit of your privacy in the age of over sharing.

Eliminate any unnecessary spending, fine-tune your budget, and take a look at your coverage and long-term goals. Do they need a detox too? Together we can make sure that your insurance coverage and financial plan is working to meet your long-term goals, as your life evolves, and through whatever happens in the markets.

Click here to view Brian Holley, Farmers Insurance on The Brighton Buzz Business Directory

Farmers Insurance

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Offered by Raegan Clemens, Majestic Materials

Summertime! And the grilling is easy… Is your backyard ready for your next barbecue? If not, we have what you need at Majestic Materials. Not sure what you need? We can help by offering ideas and suggesting the perfect products for you. From pavers to flagstone and sand and more, let us help you create the perfect setting for your gatherings this season.

Pavers are a popular choice for various landscape projects. They provide a solid base alternative to a concrete or wooden patio. Many customers choose pavers due to their durability through all types of weather. The variety of colors and designs allows for unique expression and design for each customer. The Keystone® Hardscapes collection includes paver with different surface textures. Choose a smooth finish for a classic look or texture for a more natural look. You can be creative with pavers or follow preset designs. Either way, know you are making a solid choice.

Looking to accent your existing landscaping? Keystone® Hardscapes edging is a great option for any size of space. Edging creates a clean line, separating your foliage from your lawn. Edging installed properly can aid in weed prevention and keep your mulch or rock contained. Help yourself and lay your edging flush with the ground to make it simple to mow around. Adding retaining walls can make a huge difference.

Accent your flowers and plants with stacked stone planters. At Majestic Materials, we have everything you need to build it yourself. Choose from a variety of colors, to match an existing design or go for something bold. Don’t forget the soil! Our planters mix is a rich blend of 60% Screened Topsoil and 40% Compost, making it ideal for all types of plants and flowers.

Spice up your outdoor cooking area by surrounding your grill with Keystone® Hardscapes. Simply stack and adhere for a simple DIY project. This professional look gives you more counter space to prepare your favorite meats and vegetables. This can also protect your grill from the elements year-round. If you prefer to cook over the open fire, build your own fire pit. With assorted sizes and colors, you can make it your way.

Stop by Majestic Materials today to join in on our Keystone® Kickoff! We want you to enjoy your summer, so we are offering a special this month. Through the end of June, if you purchase 4 or more pallets of Keystone® Hardscape products, we will give you the sand base for FREE, up to 4 tons. Visit us today to get first choice of our selection. Don’t go over budget, Go Majestic!

Majestic Materials
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Majestic Materials

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Offered by Premier Pediatrics

Firework SafetyEvents like the 4th of July and other holiday celebrations are fun memories waiting to be made. In order to keep these events fun for the whole family, it is important to know all the important tips for firework safety. First and foremost, fireworks that explode or leave the ground are illegal in Adams County. For those living in other counties, check your local listings to see what fireworks are illegal and which are not.

If some fireworks are legal in your area, here are some safety tips to keep in mind:

  • Only use them outside and away from the face, clothing, and hair.
  • Keep the fireworks away from homes, bushes, leaves, and flammable substances.
  • Light one firework at a time, and then quickly move away.
  • If children are given sparklers, make sure there is adult supervision. Sparklers can reach 1,800°F (982°C) – hot enough to melt gold!
  • Have a bucket of water and a hose nearby in case of accidents.
  • Never relight a “dud” firework. Wait 20 minutes and then soak it in a bucket of water.
  • Soak all the fireworks in a bucket of water before throwing them in the trashcan.

The best way to enjoy fireworks is to attend public fireworks displays and leave the lighting to the professionals. Check your local county government website for firework shows near you. Fireworks are meant to be enjoyed, and you’ll enjoy them much more by following these safety tips and knowing your family is safe.

Click here to view Premier Pediatrics on The Brighton Buzz Business Directory

Premier Pediatrics

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Offered by Sarah Korb – SOFX

Are you looking for an exercise environment that will meet you at your level in exercise & ability and then coach you, teach you, and get you the physical results that you want? At SOFX we offer programming that is used worldwide, is measured, and is intentional so that you get the results you desire! We are trained professionals that will build your strength, stamina and mental fortitude by taking your training to another level. We will meet you at the exact level you are at, then give you the exercises you need to become the best version of yourself!

We offer classes in strength training, metabolic conditioning, yoga, and kickboxing. SOFX runs 70+ community-based classes: strength training, metabolic conditioning, kickboxing, Yin yoga, Vinyasa Flow yoga and Yoga Chisel. Students of all ages and physical abilities receive personal coaching that teaches and motivates healthy lifestyles and choices. Our community-based approach also incorporates social interactions and camaraderie, making the gym a fun and rewarding destination.

SOFX is affiliated with the internationally recognized Training for Warriors (TFW) program, which prescribes strength training, metabolic conditioning, nutrition and rest. Students from all over the world and various fitness levels use TFW programming to “Lose Fat, Build Muscle, Feel Good.” We have regular TFW classes which are faster paced, intense and challenge participants. We also have the 8 Week Warrior Challenge program, which is an introductory class to any person who wants to start exercising for the first time or who has not exercised in a while and wants to get back into it. Everyone in the 8 Week Warrior Challenge is beginner level and will progress together through the program. At the end of the 8 weeks, all Challengers will be ready to enter the regular TFW classes. Training For Warriors has over 300 affiliates in 20 countries and SOFX will be opening the fourth affiliate studio here in Colorado.

The yoga programming at SOFX emphasizes connection of mind-body, utilizing the physical practice and postures to tap into mental focus and fortitude. Classes includes hot vinyasa flows, restorative yoga, yoga sculpt, and specialty workshops. Beginning students receive foundational instruction and experienced students are challenged with intensive, athletic flows.

Child care is provided in-facility at SOFX. Specialty programming for children ages 1 year to 10 years gives them the opportunity to learn and grow in a safe, fun environment. The child center is staffed in the mornings and evenings around class times.

Memberships are customized with consideration given to students’ preference for Training for Warriors, yoga, or both. SOFX offers special discounts to teachers, SD27J employees and all students.

Sign up for a free week at www.soulonfirexercise.com/memberships and join our FAMILIA!

Moms, your health is good hands at SOFX! SOFX Kid Station will take care of the kids, while we take care of YOU! Join our 6 week Strong Mom Summer Challenge and receive:
• Unlimited Strength & Conditioning classes
• Unlimited Yoga Classes
• Unlimited Kickboxing Classes
• Up to 2 hrs Childcenter use daily
• Nutrition coaching
• Access to Warrior Tracker
• Accountability Coach
• Over 70 classes each week!
• Se habla español!

Click here to view Soul On Fire Xercise on The Brighton Buzz Business Directory

Soul On Fire Xercise

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Offered by Geoff Nelson, Brighton Family Counseling

It is pretty easy to determine the cost of a divorce add and subtract the dollars and cents and there you go right? Not at all! How do you put a price on the emotional drain or even the guilt and shame associated with divorce. Or grieving the loss of the relationship and its impact on your career or your life overall. Yes, the costs keep on mounting up and we have not even begun to count the cost of the toll on children in families that encounter divorce.

So before you throw in the towel on your marriage consider finding a good therapist that has a proven track record. Someone that knows the ins and outs of conflict resolution – and not just some theories that have been thought-up. At Brighton Family Counseling L.L.C. we pride ourselves in finding results that work for you in your particular situation. We listen to both sides and seek to find a way through the mess. Yes, sometimes there is no resolution. But in those cases there is no need to be mortal enemies or combatants over the children. Realize that whether you divorce or not, when children are involved, you still have to come to some agreements.

And when counseling works, it is amazing. A new relationship is found, new trust developed a new intimacy found and your dreams of a life together are realized. This is real and it is our focus everyday. So give Brighton Family Counseling L.L.C. a call today and let us go to work for you.

Brighton Family Counseling

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Brighton Family Counseling

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3 Days Only! June 14th – 16th
Offered by Thollot Jewelers

Summer has arrived and it’s time to get out and enjoy the great state of Colorado! Thollot Jewelers wants to help pay for your next great adventure by paying you top dollar for your unwanted gold and diamonds, during their Trade In or Trade Up Gold Buying Event, June 14th through 16th.

If you don’t need the cash, but still have old, unwanted or out-of-style jewelry, Thollot will give you an additional 20% to Trade In or Trade Up for something new! Whether you have your eyes on a designer piece or want to design something custom and uniquely you, Thollot Jewelers will help you find the perfect jewelry for your style.

When it comes to selling your gold, diamonds and unwanted jewelry, the most important thing to consider is who you are selling it to. You want to ensure that they are trustworthy, honest and fair. The Thollot family is that and more. From the moment you walk through the door, you will feel the difference and understand why everyone knows Thollot Jewelers as the area’s true Colorado Jeweler.

Click here to view Thollot Diamonds on The Brighton Buzz Business Directory

“You Had Me at Thollot!”

Thollot Jewelers’ Trade In or Trade Up

Thollot-Jewelry

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Offered by Melissa Rippy – Rippy Insurance Agency / Allstate

Dad was a carpenter for the majority of his life and a very handy guy around the house. I leaned on him for 41 years for the answers to questions like, “Why isn’t my dishwasher powering on, Dad?” As he always would, he encouraged me to work through the basics, follow the power cord and make sure it was fully plugged in. Sure enough, it had become slightly dislodged under the cabinet and when I plugged it back in, I heard the power turn on. I said to Dad, “It worked!” He replied, “Awesome! That will be $75 dollars.” We both laughed and the dishes got clean.

Since Dad passed away, the dishwasher will occasionally power off now and then. Every time I trace the cord to re-plug it in and power back up, I can still hear Dad say, “That will be $75 dollars” and I will smile.

I miss my dad more than anything in this world. The loss of one of my parents has stammered me with grief like I have never felt, so I find refuge in small moments that can still make me smile when I think of him. A friend told me memories are stored on a cellular level and that my dad will always be with me. I love that.

Congratulations to 2018 BHS graduate, Christina Sanchez, the Rippy Agency’s 5th Annual $1,000 scholarship recipient. She will be the first in her family to attend college.

Melissa Rippy

Click here to view Melissa Rippy, Rippy Insurance on The Brighton Buzz Business Directory

Melissa Rippy, Rippy Insurance

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Offered by Susan Kline

Susan KlineThe rhetoric in today’s news very often has a negative or hostile twist to it. I am more than happy… Should I say thankful, to report this “good news true story” that happened to me recently. Early in April I was walking my dog mid-afternoon and enjoying the mild weather. This time has always been a favorite part of my day.

Unexpectedly, I fell to the ground and found that I couldn’t get up. It all seemed so odd as it wasn’t a hard fall, but my efforts to get up weren’t making any difference. A man who lived in the area I was walking offered his hand to help me. Still no luck in standing. Then I could hear a woman who said I could put my head in her hand and asked me my name. I was able to tell her that and where I lived, but my speech was really slurred. She was a nurse named Nicky that had stopped to see if she could help. She also said, “this woman is having a stroke.” Soon I found myself in an ambulance on the way to Good Samaritan Hospital. I kept asking about Hazel, my dog. What was going to happen to her? The same nurse angel had taken her home with her and gave the ambulance attendees her phone number and address. My son would pick her up later and she was fine. At this writing, it’s been two months since that incredible experience. My recovery wouldn’t have been as good as it’s been without the kindness and generous spirit of those that stopped to help me that day. I will be forever grateful.

Our efforts with the creation and publishing of The Brighton Buzz have been to create a sense of community with the publication. Its purpose has been to bring involvement and cohesiveness to the businesses and residents in our distribution area. These thoughtful and kind efforts of those in the community where I live have made a huge difference in my life going forward. I want to express my heartfelt thanks to them again and all those that sent cards and well wishes my way. There is such strength in the positive efforts of community.

All the best to you this June,

Susan