SEBETIC ADVISORS is a registered investment advisor that manages an investment portfolio specifically designed to generate monthly retirement income and grow the investment balance over time.
When it's time to retire...
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...will you be ready?
Have you considered, planned for, and addressed...
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- Life Choices
- When do you want to retire?
- Do you plan on working part-time?
- How do you want to spend your retirement years?
- Will your expenses go up or down based on the retirement you envision?
- If you or your spouse need extended health care coverage what quality of care would you like?
- Do you want to leave money for your heirs? If so, how much?
- Personal Finances
- How much do you save annually?
- Are you investing in your employer’s 401k?
- Are you maximizing your 401k contributions?
- What debt do you have?
- Have you or should you convert IRA’s and old 401K’s to their Roth counterparts?
- Are you maximizing the use of other tax advantaged accounts (529, HSA)
- What percentage of your income goes to retirement savings? Is this enough?
- How much money will you need to retire? How much have you saved already?
- Investing Choices
- Are you investing today?
- What type of investments are you making? - Do you invest in stocks, mutual funds, ETF’s, bonds, real-estate, other?
- How do you evaluate your investments? How do you know when to buy and sell? Are you diversified?
- If you buy stocks do you consider emerging markets and/or other developed nations?
- Are dividends important?
- Are your investments being managed efficiently?
- Do you review your investments regularly?
- How have your investments performed?
- If you use a financial advisor, how have they performed, Are their fees reasonable?
- Unknown & Unexpected
- How long will you live?
- What if the stock market crashes?
- What if there’s another financial or housing crash?
- What if there is another global pandemic?
- What if inflation rises dramatically?
- What if you suddenly lost your job or weren’t able to work?
- Will Social Security be bankrupt by the time you are eligible to receive benefits?
- How will you cover unforeseen medical expenses not covered by Medicare?
![](https://www.sebeticadvisors.com/wp-content/uploads/2020/09/1-1.png)
- Life Choices
- When do you want to retire?
- Do you plan on working part-time?
- How do you want to spend your retirement years?
- Will your expenses go up or down based on the retirement you envision?
- If you or your spouse need extended health care coverage what quality of care would you like?
- Do you want to leave money for your heirs? If so, how much?
- Personal Finances
- How much do you save annually?
- Are you investing in your employer’s 401k?
- Are you maximizing your 401k contributions?
- What debt do you have?
- Have you or should you convert IRA’s and old 401K’s to their Roth counterparts?
- Are you maximizing the use of other tax advantaged accounts (529, HSA)
- What percentage of your income goes to retirement savings? Is this enough?
- How much money will you need to retire? How much have you saved already?
- Investing Choices
- Are you investing today?
- What type of investments are you making? - Do you invest in stocks, mutual funds, ETF’s, bonds, real-estate, other?
- How do you evaluate your investments? How do you know when to buy and sell? Are you diversified?
- If you buy stocks do you consider emerging markets and/or other developed nations?
- Are dividends important?
- Are your investments being managed efficiently?
- Do you review your investments regularly?
- How have your investments performed?
- If you use a financial advisor, how have they performed, Are their fees reasonable?
- Unknown & Unexpected
- How long will you live?
- What if the stock market crashes?
- What if there’s another financial or housing crash?
- What if there is another global pandemic?
- What if inflation rises dramatically?
- What if you suddenly lost your job or weren’t able to work?
- Will Social Security be bankrupt by the time you are eligible to receive benefits?
- How will you cover unforeseen medical expenses not covered by Medicare?
Perhaps We Can Help
Review:
For prospective clients we offer a complimentary Financial Review where we will work to understand your short and long term goals as well as your current financial situation.
Assess / Recommend:
Based on our review, we will offer no obligation advice and recommendations that encompass all aspects of financial management.
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Share:
We will discuss our Strategy for Retirement Investing Success and the Sebetic Advisors Portfolio which has been specifically crafted and is continuously managed to:
- Serve as a comprehensive retirement portfolio or as an add-on to a pre-existing portfolio.
- Provide monthly income and target annual growth of that income to keep up with inflation while simultaneously growing the original investment.
- Protect against real risks facing retirees which include: failure to provide monthly income, failure to keep pace with inflation, and permanent loss of capital.
Explore:
Together we will explore whether the Sebetic Advisors Portfolio can help.