Broker Check
 

Wealth Management

The principal factor of long-term investment returns is not investment performance, but investor behavior.

At Garrison Financial we believe that investor behavior is paramount due to the comparison of the thirty-year average rate of return between the S&P 500 and the average return realized by the investor.

For the 30 years from 1984 through 2014 the comparison completed by DALBAR.

S&P 500: 11.06%

Average Equity Fund Investor: 3.79%


For the 20 years from 1994 through 2014 the comparison completed by DALBAR.

S&P 500: 9.85%

Average Equity Fund Investor: 5.19%

Certainly, these figures fluctuate depending on the intervals researched. However, the fact remains that the typical investor consistently manages to obtain much less than the return of the index. This means that typical investor is often underperforming their own investments!

How does someone underperform their own assets? The simple answer is behavior.

The more complex answer is that the average investor typically makes the wrong decision at the wrong time.

Consequently, Ryan's value to you, his clients, is as a behavioral investment counselor. And as a counselor Ryan helps you make the right decisions at the right times.

In order to help you make these decisions, Ryan creates a comprehensive financial plan via cutting edge software. But, before developing a client’s financial plan, Ryan strives to build genuine friendships. By forging past the standard advisor/client relationship, he is able to understand his clients on a personal level. This allows Ryan to fully evaluate your current situation, and work with you to design a financial plan to meet your unique needs.

Ryan often speaks with clients for months before recommending services and products. His goal is to become your most trusted financial adviser. As part of our comprehensive approach, we specialize in social security planning. According to the Economic Policy Institute, a 2008 study revealed that, link here then link the following Economic Policy Institute a 2008 study revealed that,

“for the poorest 40 percent of 65-and-older households, Social Security payouts constitute more than four-fifths of total income. Even retirement-age middle- and upper-middle-class households rely heavily on Social Security, with benefit making up nearly two-thirds of middle-class household incomes and more than two-fifths of upper-middle-class household incomes. The highest income group relies less on Social Security, but that is largely due to the fact that almost half of their income comes from earnings, meaning that they are still working.”

If social security accounts for 30% of your retirement, or more… you need to get it right.

Did you know that by enacting the wrong filing strategy you could cost yourself $200,000.00 over the course of your lifetime?

This is why we believe in incorporating a social security filing strategy early in order to begin allocating your assets for retirement.

Please see our brochure here for more information.

Ryan hosts more than a dozen educational seminars a year and would be happy to meet with you individually to discuss your personal situation. Call us now and experience the difference at (480) 999-2799.

 

This page contains links to third-party company websites. By selecting a link, you will be leaving our website and launching a new browser window. These links are provided for informational purposes only and should not be viewed as an endorsement, sponsorship, solicitation or other affiliation with respect to any third parties. We are not making any recommendations or providing any advice on securities in particular or investments in general. Neither Garrison Financial nor United Planners Financial Services have reviewed the content of, and are not responsible for, the information or the results of the third-party websites.