{"id":8,"date":"2015-02-02T18:31:00","date_gmt":"2015-02-02T18:31:00","guid":{"rendered":"http:\/\/gpswp.com\/goldenyears-advisors\/?page_id=8"},"modified":"2022-11-07T18:20:14","modified_gmt":"2022-11-07T18:20:14","slug":"asset-allocation","status":"publish","type":"page","link":"https:\/\/gpswp.com\/goldenyears-advisors\/services\/asset-allocation\/","title":{"rendered":"Asset Allocation and Risk"},"content":{"rendered":"<p>Many Americans entering retirement come to find that the right asset allocation and risk can be just as important as the actual dollar amount they have saved. You&#8217;ve worked hard for years to save for retirement, and now that time is upon you. Perhaps you&#8217;re now wondering if all the pieces are in place for you to enjoy a happy and worry-free retirement. Are your assets allocated properly?<\/p>\n<div class=\"embed-responsive embed-responsive-16by9\"><iframe loading=\"lazy\" src=\"https:\/\/player.vimeo.com\/video\/248194026\" width=\"640\" height=\"360\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/div>\n<p>Our organization prides itself on providing full-service retirement planning to South Bend and the surrounding communities. We take an extensive look at each client\u2019s unique mix of assets \u2014 this includes everything from your bank accounts, pension, and Social Security benefits, to your estate plans, wills, taxes, insurance policies and more. Our comprehensive services and strategic partnerships allow us to integrate all aspects of our clients\u2019 wealth into a coordinated effort. Our end goal is to create financial clarity for you and your loved ones, and to promote multi-generational wealth.<\/p>\n<p>We offer:<\/p>\n<ul>\n<li>Insurance planning<\/li>\n<li>Beneficiary review<\/li>\n<li>Retirement planning<\/li>\n<li>Financial needs analysis<\/li>\n<li>Analysis of present and future expenses<\/li>\n<li>Estate preservation<\/li>\n<li>Income planning<\/li>\n<\/ul>\n<p>When you work with us, we organize all of your financial, estate and tax preparation materials into a customized binder. Crafting your comprehensive retirement plan is a coordinated effort on our part, and is done so using an all-inclusive view. Although many financial services professionals focus on specific products, our experience has proven that our clients\u2019 needs are best fulfilled focusing on processes, and most importantly, people.<\/p>\n<p>Making a recommendation on asset allocation is not a one-size-fits-all proposal. When you speak with Golden Years Financial Advisors, Inc., we provide you a framework that aims to satisfy your retirement income budgeting needs to go along with a risk tolerance that satisfies your growth expectations. Asset allocation simply isn&#8217;t something you do once, but something that may be ever-evolving throughout your retirement, and knowing who to turn to for advice can make a world of difference.<\/p>\n<h3><strong>Strategic Alliances <\/strong><\/h3>\n<p>Golden Years Financial Advisors, Inc. offers professional money management through various third-party money managers. One of our strategic alliances is with Gradient Investments, LLC (GI). GI is an SEC registered investment advisor firm offering clients over 20 proprietary portfolios. The portfolios are managed by their Senior Portfolio Manager, Michael Binger, CFA; and Senior Investment Analyst, Mariann Montagne, CFA.<\/p>\n<p>These two industry leaders now offer our clients their combined expertise. Binger brings over 24 years of institutional equity investment experience to Gradient Investments and its affiliated advisors and clients. Montagne has 20 plus years of working with both institutional and high net worth clients and has amassed a strong breadth of investment experience in her tenure. In addition, Binger and Montagne are regular contributors to CNBC, Fox Business, Forbes, The Wall Street Journal and have many other national publications.<\/p>\n<p>Whether your financial goal is preserving principal, maximizing income or accumulating capital, our third-party money managers have carefully designed a strategy to help you achieve your long-term financial goals.<\/p>\n<p><small><em>Content provided by Gradient Investment, LLC, an SEC registered investment advisor.<\/em><\/small><\/p>\n<p><small><em>This endorsement of Gradient Investments, LLC is provided by an investment advisor who refers clients to Gradient Investments, LLC. A conflict of interest exists because this investment advisor receives a portion of the annual management fee charged by Gradient Investments, LLC, based on the assets under management of this investment advisor\u2019s clients. This endorsement could assist in the investment advisor increasing the assets placed with Gradient Investments, LLC, and therefore their compensation. These investment advisors are not affiliated with or supervised by Gradient Investments, LLC. <\/em><\/small><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Many Americans entering retirement come to find that the right asset allocation and risk can be just as important as the actual dollar amount they have saved. You&#8217;ve worked hard for years to save for retirement, and now that time is upon you. Perhaps you&#8217;re now wondering if all the pieces are in place for [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":346,"parent":6,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.7.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Asset Allocation and Risk - Golden Years Financial Advisors, Inc.<\/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:\/\/gpswp.com\/goldenyears-advisors\/services\/asset-allocation\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Asset Allocation and Risk - Golden Years Financial Advisors, Inc.\" \/>\n<meta property=\"og:description\" content=\"Many Americans entering retirement come to find that the right asset allocation and risk can be just as important as the actual dollar amount they have saved. You&#8217;ve worked hard for years to save for retirement, and now that time is upon you. Perhaps you&#8217;re now wondering if all the pieces are in place for [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/gpswp.com\/goldenyears-advisors\/services\/asset-allocation\/\" \/>\n<meta property=\"og:site_name\" content=\"Golden Years Financial Advisors, Inc.\" \/>\n<meta property=\"article:modified_time\" content=\"2022-11-07T18:20:14+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/gpswp.com\/goldenyears-advisors\/wp-content\/uploads\/sites\/227\/slider-inner22.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"183\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/gpswp.com\/goldenyears-advisors\/services\/asset-allocation\/\",\"url\":\"https:\/\/gpswp.com\/goldenyears-advisors\/services\/asset-allocation\/\",\"name\":\"Asset Allocation and Risk - Golden Years Financial Advisors, Inc.\",\"isPartOf\":{\"@id\":\"https:\/\/gpswp.com\/goldenyears-advisors\/#website\"},\"datePublished\":\"2015-02-02T18:31:00+00:00\",\"dateModified\":\"2022-11-07T18:20:14+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/gpswp.com\/goldenyears-advisors\/services\/asset-allocation\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/gpswp.com\/goldenyears-advisors\/services\/asset-allocation\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/gpswp.com\/goldenyears-advisors\/services\/asset-allocation\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/gpswp.com\/goldenyears-advisors\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Services\",\"item\":\"https:\/\/gpswp.com\/goldenyears-advisors\/services\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Asset Allocation and Risk\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/gpswp.com\/goldenyears-advisors\/#website\",\"url\":\"https:\/\/gpswp.com\/goldenyears-advisors\/\",\"name\":\"Golden Years Financial Advisors, Inc.\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/gpswp.com\/goldenyears-advisors\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Asset Allocation and Risk - Golden Years Financial Advisors, Inc.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/gpswp.com\/goldenyears-advisors\/services\/asset-allocation\/","og_locale":"en_US","og_type":"article","og_title":"Asset Allocation and Risk - Golden Years Financial Advisors, Inc.","og_description":"Many Americans entering retirement come to find that the right asset allocation and risk can be just as important as the actual dollar amount they have saved. You&#8217;ve worked hard for years to save for retirement, and now that time is upon you. Perhaps you&#8217;re now wondering if all the pieces are in place for [&hellip;]","og_url":"https:\/\/gpswp.com\/goldenyears-advisors\/services\/asset-allocation\/","og_site_name":"Golden Years Financial Advisors, Inc.","article_modified_time":"2022-11-07T18:20:14+00:00","og_image":[{"width":1024,"height":183,"url":"https:\/\/gpswp.com\/goldenyears-advisors\/wp-content\/uploads\/sites\/227\/slider-inner22.jpg","type":"image\/jpeg"}],"twitter_misc":{"Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/gpswp.com\/goldenyears-advisors\/services\/asset-allocation\/","url":"https:\/\/gpswp.com\/goldenyears-advisors\/services\/asset-allocation\/","name":"Asset Allocation and Risk - Golden Years Financial Advisors, Inc.","isPartOf":{"@id":"https:\/\/gpswp.com\/goldenyears-advisors\/#website"},"datePublished":"2015-02-02T18:31:00+00:00","dateModified":"2022-11-07T18:20:14+00:00","breadcrumb":{"@id":"https:\/\/gpswp.com\/goldenyears-advisors\/services\/asset-allocation\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/gpswp.com\/goldenyears-advisors\/services\/asset-allocation\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/gpswp.com\/goldenyears-advisors\/services\/asset-allocation\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/gpswp.com\/goldenyears-advisors\/"},{"@type":"ListItem","position":2,"name":"Services","item":"https:\/\/gpswp.com\/goldenyears-advisors\/services\/"},{"@type":"ListItem","position":3,"name":"Asset Allocation and Risk"}]},{"@type":"WebSite","@id":"https:\/\/gpswp.com\/goldenyears-advisors\/#website","url":"https:\/\/gpswp.com\/goldenyears-advisors\/","name":"Golden Years Financial Advisors, Inc.","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/gpswp.com\/goldenyears-advisors\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/gpswp.com\/goldenyears-advisors\/wp-json\/wp\/v2\/pages\/8"}],"collection":[{"href":"https:\/\/gpswp.com\/goldenyears-advisors\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/gpswp.com\/goldenyears-advisors\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/gpswp.com\/goldenyears-advisors\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/gpswp.com\/goldenyears-advisors\/wp-json\/wp\/v2\/comments?post=8"}],"version-history":[{"count":20,"href":"https:\/\/gpswp.com\/goldenyears-advisors\/wp-json\/wp\/v2\/pages\/8\/revisions"}],"predecessor-version":[{"id":456,"href":"https:\/\/gpswp.com\/goldenyears-advisors\/wp-json\/wp\/v2\/pages\/8\/revisions\/456"}],"up":[{"embeddable":true,"href":"https:\/\/gpswp.com\/goldenyears-advisors\/wp-json\/wp\/v2\/pages\/6"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/gpswp.com\/goldenyears-advisors\/wp-json\/wp\/v2\/media\/346"}],"wp:attachment":[{"href":"https:\/\/gpswp.com\/goldenyears-advisors\/wp-json\/wp\/v2\/media?parent=8"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}