Princeton Value Advisors helps individuals throughout all the stages of retirement planning and investing. Whether you still have decades of working life until retirement, are cutting back on how much of your time you spend working, are rapidly approaching retirement, or are already there, we can provide objective and professional help to smooth the transition.

At Princeton Value Advisors we believe that knowing you and what is important to you is critical to finding the financial plan that works for you. Initially, this involves organizing information around your current and expected expenses and your sources of income to create a sound financial strategy that takes into account the needs of individuals and family members and your goals for the future.

Avoid the Big Mistakes

There are common planning mistakes that people make that can severely impact the quality of their retirement. We are here to help you avoid them. The two most important mistakes that you can make that put you at great risk of outliving your assets are:

1. Underestimating how long retirement can last. Today a husband and wife preparing for retirement should assume that there is a 50% chance that one of them will live to 95.
2. Overestimating the return you expect from your retirement savings. Many financial advisors make this mistake, too.

Conservative Planning Is Critical

Most investors and financial advisors overestimate future returns because the period from 1980 to 2000 spans most of their adult life. They consider the investment returns during this period "normal". However, this is far from the truth. During this period, the stock market went up 13 times in price while the economy grew only 3 times.

Unfortunately, the average company can grow only as fast as the economy as a whole. The period from 1980 - 2000 was a fun while it lasted but it will not return. Even worse, we are still working off a "hangover" from the excesses of this period. Until these excesses are fully corrected, we will have to endure low, even negative stock returns and low bond yields. Conservative planning is critical to protecting against outliving your assets.

Expert Help When You Need It

A lot of things change when you retire and many of them will be new to you. We can help incorporate into your overall strategy things such as the financial implications of your new healthcare options, changes to your lifestyle, insurance and estate planning issues. Because we are Fee-Only advisors, you can be confident that the advice we give is objective and unbiased by commissions or fees on the products we recommend.

Let's Get Started Planning Your Financial Success

Call (609) 683-8005 or email Dr. Wertz at dwertz@PrincetonValue.com today. Your initial consultation is free and without obligation.