Why do you ask for my age and expected retirement age?

When determining your portfolio mix, one of the biggest factors in your strategy is the stock/ bond split, or the amount of stocks you have compared to bonds in your portfolio.

The general philosophy is simple: the younger you are, the more stocks to bonds in your portfolio. Stocks typically produce higher returns over time, but also have more short term volatility. Since clients are investing for the long term, volatility is less important because the money is not needed during that time.

The closer you get to retirement, the exposure to bonds should steadily increase. Because their value is less likely to fluctuate significantly in a short period of time, so your money will be more secure when retirement comes.

The time horizon helps us gauge where you are in your life relative to retirement which helps us craft an optimal portfolio for you.