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Working with a Financial Professional

Everyone should have a financial plan, regardless of age, income or net worth. It will help plan for the future and meet goals. Having a skilled financial adviser can be vital in helping create a financial plan. Some people like to do it themselves, but for those who do not have the time, desire or […]
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Why Invest?

Why Invest? A few people may stumble into financial security. But for most people, the only way to attain financial security is to save and invest over a long period of time. You just need to have your money work for you. That’s investing. There are two ways your money can work for you: Your […]
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What is Risk?

All investments involve some degree of risk. In finance, risk refers to the degree of uncertainty and/or potential financial loss inherent in an investment decision.  In general, as investment risks rise, investors seek higher returns to compensate themselves for taking such risks. Every saving and investment product has different risks and returns.  Differences include: how readily […]
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What is Asset Allocation, Diversification, and Rebalancing?

Asset allocation involves dividing your investments among different assets, such as stocks, bonds, alternative investments, and cash. The asset allocation decision is a personal one. The allocation that works best for you changes at different times in your life, depending on how long you have to invest and your ability to tolerate risk.  Factors to consider include your: Time Horizon. Your […]
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ASM Smart Consulting

Thanks for being a member of the SMART Nation! As part of the membership any consulting or coaching fees will be discounted according to your membership level. We help people live SMARTER lives and develop SMARTER skills through coaching, consulting, and speaking.  If you need help to get your finances, life, business, organization, or relationships in order, then please […]
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What Is A Variable Annuity?

A variable annuity is an investment product with insurance features. It allows you to select from a menu of investment choices, typically mutual funds, within the variable annuity and, at a later date—such as retirement—allows you to receive a stream of payments over time. The value of your variable annuity will depend on how your […]
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Variable Annuities: What You Should Know

Variable annuities have become a part of the retirement and investment plans of many Americans. Before you buy a variable annuity, you should know some of the basics – and be prepared to ask your insurance agent, broker, financial planner, or other financial professional lots of questions about whether a variable annuity is right for […]
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What Are Hedge Funds?

Hedge funds pool money from investors and invest in securities or other types of investments with the goal of getting positive returns. Hedge funds are not regulated as heavily as mutual funds and generally have more leeway than mutual funds to pursue investments and strategies that may increase the risk of investment losses. Hedge funds are limited […]
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What Are Annuities?

An annuity is a contract between you and an insurance company that requires the insurer to make payments to you, either immediately or in the future. You buy an annuity by making either a single payment or a series of payments. Similarly, your payout may come either as one lump-sum payment or as a series […]
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What Are Bonds?

A bond is a debt security, similar to an IOU. Borrowers issue bonds to raise money from investors willing to lend them money for a certain amount of time. When you buy a bond, you are lending to the issuer, which may be a government, municipality, or corporation. In return, the issuer promises to pay […]
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