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Are you getting your moneys worth when it comes to investment advice?

Posted by Larry Jones on Mar 22, 2018 9:30:00 AM

Do you remember how you felt in 2008 watching your investment portfolio decline?

Most folks do. It wasn't a happy time, especially for retirees. Many saw their portfolio's go south as much as half it's value! 

Why do we do this to ourselves?

Is this the only way to grow assets and have security during retirement? Absolutely not!

I'm always amazed when I meet folks in their 70's and 80's who still have 80% of their portfolio in high risk stocks. Inevitably, they tell me, "well, where else am I going to get growth?" I'd like to go on record here and now by saying that, in my opinion, a 70 year old retiree needs to be more concerned with income than growth. That's why my first goal, if possible, is to reproduce the income you had when you were working in a guaranteed income stream that isn't dependent on the market, or subject to loss. That's happiness! Then, once that base is covered we'll try to grow the remainder, and perhaps take a little more risk. But the Wall Street system doesn't want you thinking that way.

Read More

Topics: Investment Advice in a volatile world

Investment Advice: Here are 6 questions to ask before choosing an advisor

Posted by Larry Jones on Mar 15, 2018 9:30:00 AM

Are you any better off than you were a year ago? 10 years ago?

Everyone remembers 2008. There was a nasty period from September of 2008 through February of 2009 where the value of the S&P 500 drew down over 50%! Many who were on the verge of retirement had to rethink their plans, while others who were already retired discovered that they needed to take a much larger percentage of their nest-egg to keep the same level of income.

Let's fast-forward to now. The first six weeks of 2016 was the worst start to a new year in the history of Wall Street.  My opinion is that most investors have no idea as to how much risk their broker is exposing them to. When it comes to investment advice, are you happy with the guidance you've been getting? In the interests of prudence and common sense, I'd like to suggest some questions you should consider.

Read More

Topics: Investment Advice in a volatile world

Are you getting your moneys worth with your investment advice?

Posted by Larry Jones on Mar 28, 2017 9:30:00 AM

Do you remember how you felt in 2008 watching your investment portfolio decline?

Most folks do. It wasn't a happy time, especially for retirees. Many saw their portfolio's go south as much as half it's value! 

Why do we do this to ourselves?

Is this the only way to grow assets and have security during retirement? Absolutely not!

I'm always amazed when I meet folks in their 70's and 80's who still have 80% of their portfolio in high risk stocks. Inevitably, they tell me, "well, where else am I going to get growth?" I'd like to go on record here and now by saying that, in my opinion, a 70 year old retiree needs to be more concerned with income than growth. That's why my first goal, if possible, is to reproduce the income you had when you were working in a guaranteed income stream that isn't dependent on the market, or subject to loss. That's happiness! Then, once that base is covered we'll try to grow the remainder, and perhaps take a little more risk. But the Wall Street system doesn't want you thinking that way.

Read More

Topics: Investment Advice in a volatile world

Investment Advice: 6 questions to ask before choosing an advisor

Posted by Larry Jones on Mar 16, 2017 9:30:00 AM

Are you any better off than you were a year ago? 10 years ago?

Everyone remembers 2008. There was a nasty period from September of 2008 through February of 2009 where the value of the S&P 500 drew down over 50%! Many who were on the verge of retirement had to rethink their plans, while others who were already retired discovered that they needed to take a much larger percentage of their nest-egg to keep the same level of income.

Let's fast-forward to now. The first six weeks of 2016 was the worst start to a new year in the history of Wall Street.  My opinion is that most investors have no idea as to how much risk their broker is exposing them to. When it comes to investment advice, are you happy with the guidance you've been getting? In the interests of prudence and common sense, I'd like to suggest some questions you should consider.

Read More

Topics: Investment Advice in a volatile world

Are you getting your money's worth with your investment advice?

Posted by Larry Jones on Mar 29, 2016 3:30:00 PM

Do you remember how you felt in 2008 watching your investment portfolio decline?

Most folks do. It wasn't a happy time, especially for retirees. Many saw their portfolio's go south as much as half it's value! 

Why do we do this to ourselves?

Is this the only way to grow assets and have security during retirement? Absolutely not!

I'm always amazed when I meet folks in their 70's and 80's who still have 80% of their portfolio in high risk stocks. Inevitably, they tell me, "well, where else am I going to get growth?" I'd like to go on record here and now by saying that, in my opinion, a 70 year old retiree needs to be more concerned with income than growth. That's why my first goal, if possible, is to reproduce the income you had when you were working in a guaranteed income stream that isn't dependent on the market, or subject to loss. That's happiness! Then, once that base is covered we'll try to grow the remainder, and perhaps take a little more risk. But the Wall Street system doesn't want you thinking that way.

Read More

Topics: Investment Advice in a volatile world

Investment Advice:6 questions to ask yourself

Posted by Larry Jones on Mar 17, 2016 4:00:00 PM

Are you any better off than you were a year ago? 10 years ago?

Everyone remembers 2008. There was a nasty period from September of 2008 through February of 2009 where the value of the S&P 500 drew down over 50%! Many who were on the verge of retirement had to rethink their plans, while others who were already retired discovered that they needed to take a much larger percentage of their nest-egg to keep the same level of income.

Let's fast-forward to now. The first six weeks of 2016 was the worst start to a new year in the history of Wall Street.  My opinion is that most investors have no idea as to how much risk their broker is exposing them to. When it comes to investment advice, are you happy with the guidance you've been getting? In the interests of prudence and common sense, I'd like to suggest some questions you should consider.

Read More

Topics: Investment Advice in a volatile world

What you don't know can hurt you!

As a fiduciary I am required to always act in your best interests, and as a professional planner, it's my job to be familiar with all types of possible solutions and financial vehicles. In short, I have no interest in selling any particular product or any affiliation with a particular company. I work for my clients.

Are you:

  • concerned that your tax bill is too high?
  • tired of watching your nest egg decline by significant amounts every 5-7 years?
  • wishing you could find more free time?
  • looking for ways to help protect yourself against litigation that could destroy all you have worked for?
  • worried that Uncle Sam is going to enjoy your retirement more than you are?

If any of the above describes you and you'd like to get a question answered then just click the button below and we'll be in touch.

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