Gen X Individuals & Families

Is it too early to wonder what life will be like when I’m retired?

When will I be able to retire? What will that lifestyle look like? Will I have enough to live comfortably? How high will taxes be then? Should I count on Social Security? What about health care costs? Should I worry more about saving for my kids’ college or our retirement?

If these kinds of questions nag at you from time to time, then maybe it’s time to take the guesswork and worry out of your future, and replace it with a realistic, workable plan.

That’s where we come in.

Whether you are just starting your first savings account, or are already retired and trying to find ways to increase your savings (or anywhere in between), we have the experience to lead the way.

roadwayRetirement is going to be longer and more expensive than you think it will be.

Whether it’s one year or 20 years away, preparing to end full-time employment and enter retirement is one of the most important things you can focus your time and money on right now.

But what does retirement look like for you, personally? Will you travel? Stay home? Will you up-size your home or down-size? Do you plan to help your grandchildren pay for college? Should you expect assisted living expenses? Is your life insurance adequate?

There are no one-size-fits-all answers to these questions. EVERY family is unique.

That’s why nVest Advisors offers personal financial planning services for pre-retirees at very low cost (or completely free if you invest with us). Using state-of-the-art tech, we’ll analyze your current situation and talk about your goals and hopes for the future. Then we will work together to create the future you imagine, using with our online, always-accurate financial plan you can refer back to over and over again.

Of course, there is no way to invest without some costs involved. Most of our industry works on commission (asking how they are paid is a VERY important question to ask of any insurance or investment professional). That means they earn their pay whenever you buy a product from them. Those products must “price in” the cost of the agent’s commission, so they tend to be very expensive to purchase and own long-term.

Courtesy www.nvestacademy.com.

What commissions and high ongoing fees means to you is: lower returns; lost money. And over a period of 10, 20 or 30 years, those commissions and fees can add up to staggering amounts. 

At nVest Advisors, we choose to receive an advisory fee from our clients for the money we manage, and NOT use any investments that have commissions built into them. This gives you a much lower investment cost over time, and more importantly, it eliminates significant conflicts of interest when we make our investing recommendations. (Instead of looking for products that pay us the most, we actually look for products that cost the least, because they help our clients’ account balances grow faster.)

Wherever you invest, be sure to ask your agent or financial pro to provide – in writing – a detailed breakdown of your investment costs. And if you’re investing somewhere already, and want to see if we can lower your investing costs, we’d love to give you a competitive bid and show you the true costs of your current portfolio.

At nVest Advisors, we love technology. We love how it streamlines our back office operations (cutting our expenses and therefore, our fees). We love how it automates many of the tasks that used to bog us – and you – down, like endless paperwork and mailed statements. We love how it lets us reach out to you on social media, in videos and podcasts, and this website.

But our love of technology doesn’t mean we’re one of those “robo” financial advisors. Nope. When it comes to how we interact with you on a human level, we’re Old School, all the way.

Forget call centers or “chat boxes”. As our client, you get one-on-one personal service from your financial advisor and his or her team, for as long as you’re with us.

It’s one thing to invest with us – you can invest anywhere. It’s our goal to be the advisor you TRUST: the one you refer your friends and family to. The one you’d invite to your holiday party. 

That takes time and interaction and really getting to know each other. And that’s what we strive to do here at nVest Advisors. In fact, many of our clients have become very good, close friends.

When you choose to work with a registered investment adviser like nVest Advisors, you are working with a company that has chosen voluntarily to become a full fiduciary for all of our clients, from your very first invested dollar. That’s significant.

As a fiduciary, we are required by law to always operate in the best interests of our clients. This may be very different than the investment firm you work with now, as most of the companies, brokers and agents in our industry are paid on commission, and are held to a lower “suitability” standard of care – that is, they must sell you products that are generally suitable to a person in your situation. What happens to those products after the sale isn’t usually their responsibility.

At nVest Advisors, we believe being fee-only (no commission) fiduciaries for all of our clients is the right way to do business. We think you’ll agree.

Ready to get serious about your future? Let’s connect.