{"id":1370,"date":"2018-11-19T12:00:00","date_gmt":"2018-11-19T12:00:00","guid":{"rendered":"https:\/\/finfree.com\/qa-with-financial-freedom-llc\/"},"modified":"2018-11-19T12:00:00","modified_gmt":"2018-11-19T12:00:00","slug":"qa-with-financial-freedom-llc","status":"publish","type":"post","link":"https:\/\/finfree.com\/qa-with-financial-freedom-llc\/","title":{"rendered":"Q&#038;A with Financial Freedom LLC"},"content":{"rendered":"<p>When it comes to retirement planning, people typically have a lot of questions. And rightfully so. You work hard for your money and you deserve to understand what\u2019s happening with it. So, as president of Financial Freedom LLC, I want to discuss some of our clients\u2019 most commonly asked questions when it comes to retirement planning and asset allocation.<\/p>\n<p><!--more--><\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-size: 24px;\">Q:<\/span> We have heard a lot lately about <span style=\"color: #0600ff;\"><a style=\"color: #0600ff;\" href=\"https:\/\/www.paladinregistry.com\/financial-dictionary\/monte-carlo-simulation?query=monte\" target=\"_blank\" rel=\"nofollow noopener\">Monte Carlo simulation<\/a><\/span> as it applies to retirement planning. What is it? And does Financial Freedom LLC use Monte Carlo simulation? <\/strong><\/p>\n<p><span style=\"font-size: 24px;\"><strong>A:<\/strong><\/span> In estimating the retirement income that may be available to our clients, we actually use a number of assumptions in the planning process. Some of those are:<\/p>\n<ul>\n<li>What are the target income requirements during your retirement years?<\/li>\n<li>What will the rate of inflation be?<\/li>\n<li>What investment returns will you earn on our portfolio?<\/li>\n<li>What about longevity? How long will we live?<\/li>\n<li>How will escalating health care costs impact my plan?<\/li>\n<\/ul>\n<p>Because the actual results of these assumptions may be different, the potential for uncertain and inaccurate projections exists.<\/p>\n<p>That is where Monte Carlo simulation can be a useful guide. Monte Carlo simulation is a mathematical model that uses probability and statistics to examine the likelihood of particular outcomes. The end result of these thousands of mathematical calculations is to provide guidance on the likelihood of achieving the retirement income and ending portfolio value as projected.<\/p>\n<p>So, yes, Financial Freedom uses Monte Carlo simulation in conjunction with other planning tools to provide effective <span style=\"color: #0600ff;\"><strong><a style=\"color: #0600ff;\" href=\"https:\/\/finfree.com\/services\/retirement-planning\/\" target=\"_blank\" rel=\"noopener\">retirement planning<\/a><\/strong><\/span> analysis and recommendations.<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"color: #0600ff; font-size: 24px;\"><strong><em><a style=\"color: #0600ff;\" href=\"\/secure-your-financial-future-financial-freedom\" target=\"_blank\" rel=\"noopener\">Ready to discuss your retirement and financial independence? Contact Financial Freedom to learn how we can help.<\/a><\/em><\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-size: 24px;\">Q:<\/span> Does Financial Freedom LLC provide analysis and recommendations with regard to company stock options? <\/strong><\/p>\n<p><span style=\"font-size: 24px;\"><strong>A:<\/strong> <\/span>Yes, we provide a comprehensive analysis and stock-option recommendations for all of our clients.<\/p>\n<p>Stock options are becoming a more common form of employee compensation in the United States, and <span style=\"color: #0600ff;\"><strong><a style=\"color: #0600ff;\" href=\"https:\/\/www.esop.org\/\" target=\"_blank\" rel=\"nofollow noopener\">in fact<\/a><\/strong><\/span>, more than 11 million employees in the United States have stock option plans.<\/p>\n<p>The stock option analysis typically includes consideration for effective tax planning; estate planning; asset allocation and diversification; company requirements for ownership of stock; and any \u201cpolitical considerations\u201d that a client needs to consider regarding owning company stock.<\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-size: 24px;\">Q:<\/span> Should I establish a fixed asset allocation policy and stick with it? <\/strong><\/p>\n<p><span style=\"font-size: 24px;\"><strong>A:<\/strong><\/span> No. We believe the more effective approach to asset allocation involves having a focus on the overall goals and changing needs of the client. Asset allocation is active, not passive! The forces that govern asset class returns include unpredictable economic developments and unpredictable shifts in market psychology. We work very hard to keep up with economic developments and then incorporate those developments into a client\u2019s goals, objectives and specific investment portfolio. We also believe that having an overall comfort level with your asset allocation and asset class investments is very important. We discuss ongoing market risk with our clients in the context of, \u201cHow well do you sleep at night?\u201d<\/p>\n<p>What this means is, investment and financial planning solutions should be monitored and adjusted in light of changes in investment opportunities and client circumstances.<\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-size: 24px;\">Q:<\/span> If Financial Freedom LLC were to manage my assets, would individual stocks be included in my portfolio, or would it be 100 percent mutual funds? <\/strong><\/p>\n<p><span style=\"font-size: 24px;\"><strong>A:<\/strong><\/span> This really depends on the comfort level of the client. We certainly use individual stocks as part of portfolios. With that said, many clients prefer the potential reduced risk and volatility that funds may provide versus individual stocks. The specific breakdown between stocks and mutual funds would be based on each client\u2019s comfort level.<\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-size: 24px;\">Q:<\/span> Why is it critical to have a financial roadmap? <\/strong><\/p>\n<p><span style=\"font-size: 24px;\"><strong>A:<\/strong><\/span> Having a <span style=\"color: #0600ff;\"><strong><a style=\"color: #0600ff;\" href=\"https:\/\/finfree.com\/services\/comprehensive-financial-planning\/\" target=\"_blank\" rel=\"noopener\">financial roadmap<\/a><\/strong><\/span> is all about achieving the great goals of life. And achieving the great goals in life starts with a plan. Without a well-thought-out plan, we\u2019re much less likely to know where we\u2019re headed and when we will get there. A comprehensive financial plan creates the \u201croadmap\u201d to achieving one\u2019s life goals and objectives. It helps answer questions like:<\/p>\n<p style=\"padding-left: 30px;\"><strong>Goals and Objectives: <\/strong><\/p>\n<ul>\n<li>What is really important to me (money, wealth, happiness, family, kids, travel, etc.)?<\/li>\n<li>What special dreams do I have that I want to achieve before I die?<\/li>\n<li>Am I successful in managing against an annual or monthly cash flow budget?<\/li>\n<li>How do I balance spending today vs. saving for tomorrow?<\/li>\n<li>When do I want to retire?<\/li>\n<\/ul>\n<p style=\"padding-left: 30px;\"><strong>Retirement Planning<\/strong><\/p>\n<ul>\n<li>What annual income do I want in retirement, and how will inflation impact that number?<\/li>\n<li>How much of a retirement nest-egg do I need to ensure that my spouse and I won\u2019t outlive our income needs, given that one or both of us may live 30 years in retirement?<\/li>\n<li>Am I currently maximizing my tax-deferred savings (401k, IRA, etc.)?<\/li>\n<li>What about a Roth IRA or the potential of a Roth conversion?<\/li>\n<li>Will my employer-provided retirement plan be sufficient?<\/li>\n<li>What role might Social Security play in my retirement?<\/li>\n<\/ul>\n<p style=\"padding-left: 30px;\"><strong>Retirement Income Management<\/strong><\/p>\n<ul>\n<li>What\u2019s the best way to generate my desired level of income during retirement?<\/li>\n<li>Which type of asset should I use first \u2013 taxable savings, annuities, IRAs, etc.?<\/li>\n<li>Should I wait until age 70-\u00bd to begin taking distributions from my IRAs?<\/li>\n<li>How might income \u201csmoothing\u201d help my overall tax situation?<\/li>\n<\/ul>\n<p style=\"padding-left: 30px;\"><strong>Estate Planning<\/strong><\/p>\n<ul>\n<li>What would happen to my family if I died tomorrow?<\/li>\n<li>Have I adequately protected my family\u2019s standard of living if I die?<\/li>\n<li>Do I have a current will so that my assets go to the people I choose?<\/li>\n<li>Have I named guardians for my minor children should I die?<\/li>\n<li>How do my heirs inherit my money with the least amount of taxation?<\/li>\n<li>Do I have an updated power of attorney and health care proxy?<\/li>\n<li>Should I be gifting to family and charities while I am still alive?<\/li>\n<\/ul>\n<p style=\"padding-left: 30px;\"><strong>Insurance, Risk Management and Risk Reduction<\/strong><\/p>\n<ul>\n<li>Do I have sufficient health, disability, liability, homeowner and auto insurance? Should I consider a liability umbrella policy?<\/li>\n<li>Do I have adequate life insurance to protect my family?<\/li>\n<li>Should I consider long-term care insurance?<\/li>\n<li>What would happen if I became disabled and couldn\u2019t work?<\/li>\n<\/ul>\n<p style=\"padding-left: 30px;\"><strong>Income Tax Planning and Effective Tax Reduction Strategies<\/strong><\/p>\n<ul>\n<li>Am I paying the least amount of income taxes possible?<\/li>\n<li>Am I maximizing my possible deductions?<\/li>\n<li>Do I have a tax-efficient investment portfolio that is minimizing my taxes?<\/li>\n<\/ul>\n<p>As you can see, a financial roadmap can be very helpful in creating a full financial plan. When Financial Freedom meets with clients, we also discuss investment planning, asset allocation, wealth accumulation and wealth preservation. We analyze whether our client is getting the most from executive compensation and stock options. We also talk about upcoming costs such as college funding, when appropriate, for children and\/or grandchildren.<\/p>\n<p>If you\u2019re interested in developing and implementing a financial roadmap, <span style=\"color: #0600ff;\"><strong><a style=\"color: #0600ff;\" href=\"\/secure-your-financial-future-financial-freedom\" target=\"_blank\" rel=\"noopener\">contact us<\/a><\/strong><\/span> to see how Financial Freedom can help.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When it comes to retirement planning, people typically have a lot of questions. And rightfully so. You work hard for your money and you deserve to understand what\u2019s happening with it. So, as president of Financial Freedom LLC, I want to discuss some of our clients\u2019 most commonly asked questions when it comes to retirement [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":1371,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"footnotes":"","_jetpack_memberships_contains_paid_content":false,"jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false}}},"categories":[5],"tags":[],"jetpack_publicize_connections":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Q&amp;A with Financial Freedom LLC &#8211;<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/finfree.com\/qa-with-financial-freedom-llc\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Q&amp;A with Financial Freedom LLC &#8211;\" \/>\n<meta property=\"og:description\" content=\"When it comes to retirement planning, people typically have a lot of questions. And rightfully so. You work hard for your money and you deserve to understand what\u2019s happening with it. So, as president of Financial Freedom LLC, I want to discuss some of our clients\u2019 most commonly asked questions when it comes to retirement [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/finfree.com\/qa-with-financial-freedom-llc\/\" \/>\n<meta property=\"article:published_time\" content=\"2018-11-19T12:00:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/finfree.com\/wp-content\/uploads\/2021\/03\/QA20Financial20Freedom20LLC.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"724\" \/>\n\t<meta property=\"og:image:height\" content=\"483\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"ALLEN A. 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