Gone are the April showers and here are the May flowers, Mother's Day, and Memorial Day. We honor those who protect and serve us and encourage you to read the article below for tips on protecting and growing your retirement assets. 

The Team at Financial Steward Associates: 
Marion, Heather, Raleigh, Lindsay, and Drew

"In the End, we will remember not the words of our enemies, but the silence of our friends."
- Martin Luther King, Jr.
News and Events
May 2019
Issue #85


Important Dates:

May 27: Our office is closed for Memorial Day


Weekly Commentary:





Street View_ The Outcome of the Recent Federal Reserve Meeting
Street View - The Outcome of the Recent Federal Reserve Meeting


Resource of the Month
 Check out one of the many helpful resources on our website, the Principles of Preserving Wealth Presentation with information on how federal estate taxes work and estate management documents and tactics.
Investing for Your Later Years? Think Asset Preservation but Don't Forget Growth

After years of investing for retirement and other goals, you may have accumulated a substantial portfolio. If you're approaching or already enjoying retirement, there are important steps that you can take to help ensure that your investment plan -- and your nest egg -- is on track for your Golden Years.

Reassess your income needs and portfolio
A few years before a planned retirement, it's important to know where your money will come from and how much you'll need. It's number crunching time. Figure out how much income you will receive from Social Security, a pension plan and personal savings and investments. Weigh your anticipated income against your estimated living expenses; be sure to pad your estimate to account for unexpected events or market drops. Do the two match up? If not, review your portfolio with a qualified financial professional.

Hedge against inflation
Your investment focus will probably shift from growth to income in your later years. Naturally, you want to help protect your nest egg from market volatility. But that doesn't mean moving your portfolio's entire stock allocation into less risky holdings -- like bonds and cash. People are living longer, increasing the risk that some will outlive their money. You may want to gradually shift some stock investments into more liquid, income-oriented investments. However, it may be important to keep part of your portfolio in growth-oriented investments -- stocks and stock funds -- to give your portfolio the potential to outpace inflation.

Protect what you've achieved
A solid financial plan also includes estate planning to help preserve assets for your heirs. "I'm all set," you say. "I've drawn up a will." A comprehensive and effective estate plan often involves a variety of tools in addition to wills, including trusts and different types of insurance. Talk with an attorney about your specific needs.

After a lifetime of investing, make sure that your financial plan is on target in your later years. Annual reviews of your portfolio with a qualified financial professional can help you pursue your objectives and spot potential problems before they occur.

Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk in all market environments.

Because of the possibility of human or mechanical error by DST Systems, Inc. or its sources, neither DST Systems, Inc. nor its sources guarantees the accuracy, adequacy, completeness or availability of any information and is not responsible for any errors or omissions or for the results obtained from the use of such information. In no event shall DST Systems, Inc. be liable for any indirect, special or consequential damages in connection with subscriber's or others' use of the content.
© 2018 DST Systems, Inc. Reproduction in whole or in part prohibited, except by permission. All rights reserved. Not responsible for any errors or omissions.

Financial Steward Associates
 303-444-5440 

Jackson, Lincoln Financial, Pacific Life, Prudential, Financial Steward Associates and LPL Financial are separate entities.




Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Financial Steward Associates, a registered investment advisor and separate entity from LPL Financial.

The information contained in this e-mail message is being transmitted to and is intended for the use of only the individual(s) to whom it is addressed. If the reader of this message is not the intended recipient, you are hereby advised that any dissemination, distribution or copying of this message is strictly prohibited. If you have received this message in error, please immediately delete.