Retirement planning can be confusing, but you don’t have to do it alone. Here are the benefits of letting CWM work with you to manage your 401(k) …
Most 401(k) plans are a sea of seemingly redundant investment choices and intimidating financial jargon. You could spend countless days and weeks trying to research every option and understand how it might impact your account.
… Or you could do the simple thing and let us manage it for you! With years of wealth management experience, our team of financial planners is here for you to maximize your investment performance and minimize your losses. We’ll even periodically rebalance your portfolio in a way that fits to your tolerance for risk and current market conditions.
Simply put, that just means a lot more money for you!
Do you know how much you’re paying in fees for your 401(k) plan? Most employees don’t, and that can end up costing them a lot more than they realize.
How much exactly? Something as small as 2% can end up costing as much $153,218 over the next 30 years.
We think you can do better, and that’s why we’re here to help. Let us show you which funds charge the least while simultaneously outperform the other options.
We're not a robo-advisor, and nor would you want us to be!
We’re real people with real-life goals just like you, and so we understand the importance and value of what you’re trying to accomplish.
Your nest egg is a thing you're building to provide decades of wealth and security throughout your retirement. It’s your ticket to leave the cubicle and head out on to the open road. Do you really want to leave all of that in the hands of a computer algorithm?
We don’t want you to either, and that’s why we’re ready to give you the individualized attention you deserve. With CWM, you can ask us your questions, talk to us about your goals, and tell us what fears you have when it comes to preparing for the future. We’re here to listen.
How much money are you passing up by not having your 401(k) professionally managed? It could be a lot more than you think.
Aon Hewitt and Financial Engines conducted a study from 2006 to 2012 comparing the returns of investors who sought help in the form of online sources or managed accounts to those who managed their 401(k)s themselves.
The study examined the 401(k) investing behavior of 723,000 workers at 14 large US employers.
The study showed that people who had their assets managed by professionals saw an average of 3.32% (net of fees) more in returns annually than those who managed their own account.
Why is this important? Because the difference could literally be several thousands of dollars! Let’s compare, for example, two employees. Both have $100,000 in their 401(k), both will add another $500 to their account each month, and both will do so for another 25 years.
The difference? One will experience a 5% average annual return on their account while the other will enjoy an 8% annual return.
Why such a big difference? Because as hard as they might try, the typical saver makes a lot of mistakes when it comes to their 401(k). This usually includes missteps like:
· Investing too conservatively or aggressively, especially at the wrong times.
· Not paying close enough attention to investment fees.
· Forgetting to rebalance their portfolio regularly.
· Pulling money out of the market at the wrong times.
· Not contributing enough to hit your targets.
… And so many others.
With CWM, we know about these issues and exactly how to deal with them. When you partner with us, we’ll give you the guidance you need to earn every dollar you’re entitled to.
Over time, a 3% annual return can make a higue difference in your retirement.
Investment advice offered through IPI Wealth Management, Inc. 226 W. Eldorado St. Decatur, IL 65222. PHONE: 217-425-6340. Clearstone Wealth Management is not affiliated with Investment Planners, Inc. or IPI Wealth Management, Inc.
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