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Age & Asset Allocation
Evolving Investment Strategies
Traditional investment rules like subtracting your age from 100 or 120 are now widely considered too simplistic for modern financial planning. A modern portfolio instead emphasizes a personalized strategy tailored to your specific financial situation.
- Risk Tolerance: Your emotional comfort level with market ups and downs.
- Risk Capacity: Your actual financial ability to withstand losses without ruining your plan.
- Time Horizon: The total number of years until you need to withdraw the money.
- Market Dynamics: Current economic conditions, valuation levels, and inflation rates.
- External Costs: Expected future expenses like healthcare, long-term care, and lifestyle inflation.
How Asset Allocation Shifts Over Time with EFTs and Liquid Alternatives
- Lowered Investment Costs
- Increased Market Liquidity
- Expanded Asset Access
- Enhanced Tax Efficiency
- Would you like to learn more click here
Timing Your Social Security Benefits
Key Factors
1. Permanent Reduction
- Early Filing Penalty: Claiming at age 62 permanently cuts your monthly check by up to 30% compared to your Full Retirement Age (FRA).
- Forfeited Credits: You lose a guaranteed 8% annual benefit increase for every year you delay filing between your FRA and age 70.
2. Break-Even Age
- The Lifespan Bet: Claiming early gives you more checks, but smaller ones.
- The Pivot Point: Total lifetime payouts from delaying usually overtake early filing if you live past ages 78 to 82.
3. Work Restrictions
- Earnings Penalty: If you work while collecting before your FRA, the government claws back $1 for every $2 earned above the annual limit ($24,480).
- No Limit Later: All earnings penalties vanish completely once you reach your FRA.
4. Spousal Impact
- Survivor Benefits: The higher-earning spouse determines the ultimate safety net.
- Permanent Cap: Filing early permanently shrinks the monthly survivor benefit left behind for a grieving spouse.
5. Tax and Portfolio Strategy
- Asset Preservation: Early benefits provide instant cash, keeping your retirement portfolio intact to grow.
- Bridge Strategy: Conversely, drawing down investments early to delay Social Security lets your guaranteed, inflation-protected benefit maximize its growth.
Smart Retirement Planning
Tailored Investment Strategies
Tailored Investment Strategies
Tailored Investment Strategies
Brookwood Investment Group, LLC, a Registered Investment Advisory, offers tailored investment approaches created by our seasoned management team to address the unique needs of today's investors.
Steady Income Strategies
Tailored Investment Strategies
Tailored Investment Strategies
Our team understands the importance of income stability during retirement and offers strategies to navigate the transition from retirement to Social Security and beyond, utilizing our dynamic income strategies.
Future Growth Solutions
Tailored Investment Strategies
Our Smart Alpha strategies are designed to help you see tactical growth in your portfolio. This growth can be used for higher education expenses, first-home down payment assistance, and future weddings. Click here to start that plan.
Estate & Legacy Planning
A common misconception about estate planning is that you need a lot of money, and it's expensive with irrevocable decisions. Actually, estate planning is about living, and our consultants make it very cost-effective. Your messaging in your estate plan allows you to tell your story to many generations.
Healthcare & Medicare Insights
Healthcare & Medicare Insights
Approximately 40% of individuals age 65 will need long-term care. Therefore, a healthcare strategy is essential. Our professionals can help you understand Medicare, including its coverage. We conduct annual reviews to assess how Medicare changes affect your plan. Healthcare expenses during retirement can be substantial.
Your Financial Path
Healthcare & Medicare Insights
As a Certified Financial Planner, I am dedicated to upholding the highest ethical standards and acting solely in the best interests of my clients. My fiduciary responsibility means I place my clients' financial goals and well-being above all else, ensuring that my advice and recommendations are always unbiased, transparent, and designed to help them achieve their financial aspirations.
Meet Your Benefits Expert
Meet Terry Salak
Terry specializes in senior health benefits. She has helped hundreds of our clients enroll and choose plans to meet their needs. Terry is liensed and certified to sell insurance products in several states. Click here to schedule a consultation.
Enrollment Insights
Plans change annually and Terry contacts all her clients to schedule reviews. Some years like 2025 Medicare implemented significant changes which caught some Medicare recipients off guard. It is important to work with a professional who can help you assess the market for each plan year.
Filing Claims Made Easy
Most healthcare professional take advantage of the automate claims filing systems. If you find your self seeking reimburse or needing to file a claim. Our office is able to help with the claims filing concerns.
Relocating? We're Here
Terry is licensed in most states and has the capacity to add more states to her service area. A Special Election Period opens 1 month prior up to 2 months after your move. This election period allows you to join a health and/or prescription plan.
FAQs & Assistance
How is the insurance professional compensated?
Health plans even if they offer benefits with a $0 plan premium provide compensation to the agent for people she enrolls. The member does not pay the advisor for assistance. Additionally compensation guidelines are established by Center of Medicare/Medicaid Services annually.
Should I contact my agent during the year?
You should always feel comfortable contacting your agent during the course of the year. They are compensated to assist in the enrollment but also receive an on-going renewal to provided service to existing members.
Can I refer a friend who is not a Brookwood Investment Group client?
Brookwood Investment Group, LLC is a Register Investment Advisory and insurance products are offered as an outside business activity. So yes, we would be happy to assist any one with questions and needs. We are a non-discriminatory organization.
Important Disclosures
Brookwood Investment Group
Brookwood is headquartered at 3930 E. Ray Road, Suite 155, Phoenix AZ 85044. It is important to read our disclosures available at this link: https://brookwoodinvestmentgroup.com/disclosures/. Advisory Investments contain risk which may result in the loss of principal.
Insurance Advice
Our representatives are licensed insurance agents with affiliated or non-affiliated companies. In this role, they may recommend certain insurance-related products for which they may receive compensation via direct commissions. This creates a potential conflict of interest, as the commission earned could influence their recommendations. It is crucial that you review your representative's Brochure Supplement to understand any potential conflicts.
You are under no obligation to purchase any commission-based products from our representatives. You are free to purchase insurance-related products recommended by our representatives through other, non-affiliated representatives and/or companies.
Tax & Legal Info
Our advisors do not give legal or tax advice. You should always consult with a licensed professional in these areas concerning your financial plan. Our professionals may provide referrals but do not practice law nor prepare tax documents.