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Are Your Retirement Funds Wandering Aimlessly?

November 30, 2017 by Eric C. Jansen, ChFC®

The purpose of your retirement fund is to help provide the income you need to live financially independent in retirement, whatever “financially independent” means to you. Without structure and planning for your funds, that goal can become more and more distant. It doesn’t just happen on its own. It takes careful planning and years, if not decades, of making prudent investment choices.

Whether you’re just getting started in saving for your retirement, or have been doing so for many years, you want to be sure the hard earned money you are setting aside for your future is invested properly, or you may just find yourself with a retirement that is based more on chance than a well-crafted strategy.

Contributing Money to Your Retirement Accounts Is a Good First step

You need to take it a step further and actually develop a long-term, strategic plan for how you’ll invest in your retirement accounts. We’ve said it once and we’ll say it again: Failing to plan is planning to fail. With failure equating to your living a less desirable retirement lifestyle than the one you probably envisioned.

An investment strategy for your retirement should consider the funds you use, the allocation you keep, and how much you ultimately need to have as part of your nest egg before you can use it for income. It also needs to take into account how it will change as you go from working to retired.

Totally ignoring your retirement accounts is definitely not a smart move. But, it could still be better than the other mistake average investors make with their retirement accounts.

Paying “too much attention” to their 401(k) and IRA investments – causing them to make short term decisions based on emotions rather than sticking with their long-term investment plans. Too much fiddling around can cause years of underperformance.

Link Your Retirement Goals with Your Investment Strategies

Foregoing a plan but still playing around with your investments in a 401(k) or IRA anyway is a recipe for financial disaster. There’s nothing strategic about randomly moving funds around or choosing to dabble in an asset class you don’t fully understand.

It’s great that you want to do what you can to get the best return on your retirement funds. But for the average investor, that means partnering with a fiduciary financial planner and investment advisor who can help you properly link your retirement lifestyle goals with your investment decisions.

Choosing a fee-only advisor can help ensure your conversations are less about what financial products they can offer you, and more about the strategies to utilize in managing your retirement funds that will provide more purpose and meaning to the investment decisions you make.

Having a long term investment plan properly linked to the income you want these funds to generate in retirement becomes the driving force of your investment choices. That’s a far cry from playing around with your accounts based on your feelings, news headlines, or what you heard from your neighbor who works in tech about the next great stock pick.

Elements of a Smart Retirement Investment Strategy

At this point, you should know two things: first, the thing you can do right now is get started – which requires follow-through in the form of properly linking your retirement lifestyle goals with your retirement investment strategies; second, a  properly linked and well-thought out retirement investment strategy has to be just that – a strategy. You want to avoid randomly moving money around, churning up your asset allocation, or investing based on “hunches,” feelings, or tips from the grapevine.

Having a true long-term strategy in place means making smart, rational investment decisions during your working years so you can hopefully enjoy all the things you hoped to when you finally put in that last day of work.

Those smart, rational investment decisions should also be aligned with:

  • Other financial goals, beyond just funding retirement.
  • Your tolerance for risk and comfort level with varying degrees of volatility. Your time horizon, or how many years between today and when you’ll want to use your retirement funds (which is what helps determine your portfolio’s ability to weather potential market volatility)

These are the fundamentals that help make up a good strategy, because what each of these factors are to you will help determine what actions you need to take (and what you should avoid).

Other parts of a strategy that will help you to build wealth include things like your ability to stay calm and rational in emotional moments (like when the market experiences a downturn).

You also need some source of accountability to not only help you get through challenges but also keep you on track when distractions come up. It’s not always about dodging major bullets — sometimes, boredom with a decades-long process can derail a good investment strategy faster than any market event can.

Some people are disciplined enough to do the right thing, over and over again, consistently for the amount of years it takes. Most of us, though, make the mistake of either ignoring our investments entirely or getting way too obsessed with them (to the point where our own tweaks and changes cause us to create losses).

That’s why an experienced and comprehensive financial and investment advisor representative who can not only create a financial plan for you but also a smart retirement fund strategy that shows you exactly what to do with your investments can make the difference between doing okay and reaching the level of financial independence you really want.


Eric C. Jansen, ChFC is the founder, president and chief investment officer of Westborough Massachusetts-based Finivi, which provides fee-based retirement income planning and investment management services for successful individuals and families nationwide. Do you need help planning for retirement? You can click here to schedule a complimentary consultation with a financial plan.

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Filed Under: Investing, Retirement Planning

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Eric C. Jansen, ChFC

Fun Facts About Me

When he is not researching the next great stock to add to client portfolios, you can find him travelling frequently with his family to Jackson Hole Wyoming.

  • Hometown: Chicago, IL
  • Birth Month & Year: November, 1964
  • Favorite Hobby: Goldmining in Nome, AK
  • Favorite Food: Steak at Charley’s Steakhouse in Orlando FL
  • Can't be interrupted when: Watching the Discovery Channel
  • Hidden Talent: Finish Carpenter
  • Something on bucket list: Obtain Helicopter Pilot License
  • Family Pet: Goldfish
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Steven C. Johnson, ChFC

Fun Facts About Me

Steve would tell you that one of the best parts of the day is spent talking to clients and relationships that result from it. When away from the office, he loves to travel the back roads of New England enjoying all the great sites that can be found off the beaten path.

  • Hometown: Townsend, MA
  • Birth Month & Year: December, 1967
  • Favorite Hobby: Playing Hockey
  • Favorite Food: Chicken Caesar Salad
  • Can't be interrupted when: Watching the Bruins
  • Hidden Talent: Cooking – Makes a great Thanksgiving turkey
  • Something on bucket list: Travel to Italy and Greece
  • Family Pet: Max – our Pomeranian

Frederick M. Lane, ChFC, CASL

Fun Facts About Me

When not managing client portfolios, Fred can be found relaxing with family and friends.

  • Hometown: Nutley, NJ
  • Birth Month & Year: July, 1954
  • Favorite Hobby: Dog Walking
  • Favorite Food: Italian
  • Can't be interrupted when: Listening to Pink Floyd
  • Hidden Talent: Landscaping
  • Something on bucket list: Space Flight - Tourism
  • Family Pet: None

Catherine M. Gareri

Fun Facts About Me

When not caring for her clients Cathy enjoys relaxing in her yard at home.

  • Hometown: Bellingham, MA
  • Birth Month & Year: July, 1957
  • Favorite Hobby: Cooking and Entertaining
  • Favorite Food: Steak at the Capital Grille
  • Can't be interrupted when: It's family time
  • Hidden Talent: Dog Whisperer
  • Something on bucket list: Spending a couple months on the Almalfi Coast
  • Family Pet: In Between Mastiffs now so a little blue fish “Willy”

Katie E. Moore, CLTC

Fun Facts About Me

When Katie is not busy taking care of her clients, she spends her time being a mom to her two little ones, Owen and Isla.

  • Hometown: Modesto, CA
  • Birth Month & Year: September, 1982
  • Favorite Hobby: Swimming
  • Favorite Food: Mexican Food
  • Can't be interrupted when: I'm cooking
  • Hidden Talent: Climbed Yosemite's Half Dome, twice - no fear :)
  • Something on bucket list: See the Northern Lights and Potty Train my 2 year old
  • Family Pet: Caddy and Sierra – our two cats

Hesper Duval

Fun Facts About Me

Loves spending time with 2 daughters and enjoys participating in 5k obstacle races throughout the year.

  • Hometown: Charlton, MA
  • Birth Month & Year: October, 1981
  • Favorite Hobby: Running
  • Favorite Food: Cheesecake
  • Can't be interrupted when: Reading a good book
  • Hidden Talent: Interior Design and furniture restoration
  • Something on bucket list: To travel cross-country in an RV
  • Family Pet: Charlie and Nora, both black labs from the same litter

Donna Fournier

Fun Facts About Me

When not cheering for the Patriots, Donna spends her free time travelling throughout the United States looking for new haunted places to explore. She loves to wear her cowboy hat and boots when travelling out west.

  • Hometown: Swansea, MA
  • Birth Month & Year: February, 1961
  • Favorite Hobby: Exploring haunted locations
  • Favorite Food: Pizza
  • Can't be interrupted when: Eating my pizza
  • Hidden Talent: Rollerblading
  • Something on bucket list: Travel to Australia
  • Family Pet:  Had a pet skunk

Krista Isabelle

In her free time, Krista can be found crafting, cooking, spending time outdoors with her family, or curled up reading next to her beloved pets.

  • Hometown: Hopedale, MA
  • Birth Month & Year: August 1994
  • Favorite Hobby: Cooking & Baking
  • Favorite Food: Baked mac & cheese
  • Can’t be interrupted when: Reading
  • Hidden Talent: Cartoon drawing
  • Something on her Bucket List: Fostering animals

Danielle Drew

When Danielle does not have her head in a book studying to expanding her financial planning knowledge, she enjoys anything active and outdoors, including visits to the beach and hiking.  

  • Hometown: Dennis, MA
  • Birth Month & Year: November, 1985
  • Favorite Hobby: Working out, concerts, and exploring wineries
  • Favorite Food: Lobster pot pie, cheeseburgers, BBQ, the list goes on...
  • Can't be interrupted when: Working out 
  • Hidden Talent: Country line dancing
  • Something on bucket list: To hike the 48, 4000 footers of New Hampshire
  • Family Pet: none, hopefully a big dog someday

Jay Willwerth, ChFC

Fun Facts About Me

Jay’s days are spent helping clients achieve their financial goals, followed by nights and weekends typically watching his daughters play competitive volleyball.

  • Hometown: Melrose, MA
  • Birth Month & Year: September, 1959
  • Favorite Hobby: Golf
  • Favorite Food: Anything at a Patriot’s Tailgate
  • Can't be interrupted when: Watching the Patriot’s Game
  • Hidden Talent: Competitive Volleyball Watcher (Mostly his 2 daughters)
  • Something on bucket list: Play a round of Golf at Pebble Beach
  • Family Pet: Bella, our Shih-poo
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