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Making Your Dreams Come True




 By Bob Payne, Managing Director and Chief Investment Officer (CIO)

I created an investment strategy in the early 1980s called the A-to-B Wealth Management Process. The reason is because I had become so frustrated with how people let fear and greed drive their investment decisions, and I couldn’t find a device to keep them invested. If the market went down, they’d sell their stocks. If interest rates went up, they’d sell their bonds. Then we’d have to go back and start from square one.

Three Keys:

Too often, investors make reactionary decisions based on short-term market movements

The A-to-B Wealth Management Process is a long-term template for investment success

Running an annual wealth projection helps combat the uncertainty of retirement planning

So the original idea was to create a mechanism that helped people understand why being an investor and not a trader would make the most sense for their financial success. But it actually turned out to be a great life-planning tool as well. Many of my clients say it’s absolutely the best. That’s what A-to-B means to them. But what should it mean to you?

Point A is who you are financially. What do you have in investable assets? What’s in your brokerage, retirement, and savings accounts? What are you entitled to in terms of a pension or social security benefits? It’s also how much money you’re saving or how much you could possibly save.

Point B is your dreams, goals, and values. Unfortunately, it can be very difficult to make projections in our heads, or even with a calculator, because we have to compound against inflation, that insidious hidden tax we don’t always consider. So you need software to make the projections for you. And the distance between point A and point B is how much time you have to achieve those goals.

Somebody who retired last month and is 65 years old probably has about 20-30 years left in retirement to live off his or her assets. If I were you, I wouldn’t go to bed worrying about the ramifications of that. I’d go to bed secure with a foundation of knowledge. That means having a fiduciary or advisor run a wealth projection showing the probability of you getting from point A to point B, net of inflation and taxation. Then keep running that projection every year for the rest of your life, and the chances are very good you’ll sleep like a baby.



Interested in learning more about what impact this could have on your future financials? Contact one of our expert advisors today:

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Please remember that past performance may not be indicative of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by Payne Capital Management, LLC), or any non-investment related content, made reference to directly or indirectly in this blog will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful. Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions. Moreover, you should not assume that any discussion or information contained in this blog serves as the receipt of, or as a substitute for, personalized investment advice from Payne Capital Management, LLC. To the extent that a reader has any questions regarding the applicability of any specific issue discussed above to his/her individual situation, he/she is encouraged to consult with the professional advisor of his/her choosing. Payne Capital Management, LLC is neither a law firm nor a certified public accounting firm and no portion of the blog content should be construed as legal or accounting advice. A copy of the Payne Capital Management, LLC’s current written disclosure statement discussing our advisory services and fees is available for review upon request.