investment tips

As a CERTIFIED FINANCIAL PLANNER™, Keith Mooney has a fiduciary responsibility to his clients and is bound by law to always act in his clients’ best interest. And nothing could be more in a client’s best interest that to offer some free strategic advice to help them pursue their retirement goals:

  1. Wealth accumulation is built over time.
    Mitigating risks around a wealth accumulation strategy means looking at the big picture and making sure you work to minimize risks associated with the forces (taxes, inflation, and market volatility) that take their toll on investments over time. A well-diversified portfolio that aims to build up wealth is based on a long-term approach, which means that you aren’t going to get rich at a young age.
  1. History can repeat itself.
    While it is true that that the past performance of a company is not a fool-proof indicator of things to come, poor management decisions within a company can repeat themselves if the same management team is steering the ship. However, this same situation can be a positive if the company continues to show strong growth with a solid management team over time.
  2. The buy and hold approach is a more appropriate strategy.
    When the market is at its peak, everyone believes that they can be a world-class investor. Unfortunately, the law of averages blows this belief right out of the water: In reality, an average investor underperforms the S&P 500* based on this market timing approach.

With a buy and hold approach where your advisor buys stocks and holds them for a long period of time regardless of market fluctuations, he or she can make adjustments over time to your investments that falls in line with your particular situation and comfort regarding risk tolerance.

If you have questions about what you need to plan for regarding retirement savings, visit us at And for more information on Keith Mooney or any particular advisor you would like to learn more, go to the Financial Industry Regulatory Authority’s website at

Content in this material is for general information only and not intended to provide specific advice or recommendations for any individual. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. No strategy assures success or protects against loss.

*Source: Quantitative Analysis of Investor Behavior Report.

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