Discover many of the opportunities available to help you plan for your financial future.
At Roberts Wealth Management, we can help you determine a strategy appropriate for your financial situation.
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Investment Planning
Question 1:
How would your lifestyle change if you had a 30 to 50 percent gain in your investment portfolio? Many people respond that they might spend or travel a little more or just feel more secure, however, nothing in their lives would dramatically change.
Question 2:
How would your lifestyle change if you had a 30 to 50 percent loss in your investment portfolio? Many people may be devastated, may have to move to a smaller home or drop a club membership. The loss could produce a dramatic change in their mindset and lifestyle.
The latter is generally the reason why families are far more concerned with protecting what they have accumulated rather than taking extra risk for the chance of a higher rate of return.
Our philosophy is that you should take the “least amount of risk to reach your financial goals.” While it sounds simple, this practical advice is often ignored.

Our simple 3-Step Review can help you develop a financial plan that matches up with your goals for today and your future.

Asset Protection
Asset protection calls for more than just strategic asset allocation. Our portfolios must be defensive in nature and actively respond to risks. We work diligently to protect your portfolio from negative returns early in retirement while making them strong enough to hedge against inflation.
While it is true that clients need to protect themselves from the typical creditor, there are many other creditors to take into account, including:
  • An injury from someone negligently driving a car
  • A patient who sues a physician for malpractice
  • Someone who slips and falls on property and sues the owner
Don’t be a “deep pocket” target for a frivolous lawsuit or other threat that could have been avoided with a sound legal asset protection plan. A well-constructed plan can (or may) allow you to achieve your protection objective and still have control and use of your assets.
Other “creditors” that have the potential to adversely impact your long-term financial strategy:
  • The IRS. Every year, high-income clients pay taxes to the IRS.
  • The stock market. You know this is the case if you had money invested from 2000 – 2002 when the stock market lost nearly 40 percent of its value and again when the stock market crashed between 2007 and March of 2009 when it lost 59 percent of its value.
  • Estate taxes. Many consumers worry about the estate taxes that will be paid upon their death. It’s important to work your financial advisor and experienced estate planning professionals who stay current in this field and advise clients on a day-to-day basis.
  • Long-term care (LTC) expenses. A major creditor of clients over the age of 65 is LTC expenses (drug costs, home health care, nursing home, surgeries, etc.). It is vitally important for clients to be well-equipped to handle this expense.
Our simple, no-obligation 3-Step Review can help you develop a financial plan that matches up with your goals for today and your future.
Real Estate Planning
Selling property can be very stressful these days. Robert Wealth Management is your ally for ensuring you are making this pivotal choice fully armed with the best information.
If you’ve been thinking about selling any property this year, ask yourself the right questions. Through our simple review process, we will help you get the right answers before you sell, which can make all the difference.
Ask yourself:
  • How will I be able to afford my next lifestyle choice?
  • How can I be sure I’ll have enough money, or is it possible I could have even more money, to live on if I make a move?
  • Do I have too much risk in other investments and need to delay listing my home?
  • What tax issues or concerns should I consider before listing my home for sale?
Or if you own commercial or business property, ask:
  • Are there strategies to lower or eliminate my capital gains tax when I sell?
  • Are there investment alternatives that can offer me a similar rate of return as my rental property without high risk?
Roberts Wealth Management will work with you to answer these and any other questions you may have. Get peace of mind and knowledge that you’re doing what’s right for you and your family.
Our simple, no-obligation 3-Step Review can help you develop a financial plan that matches up with your goals for today and your future.
IRA & 401(k) Rollovers
When you change jobs or retire, there are four things you can do with the money in your employer-sponsored retirement plan:
  • Leave the money where it is
  • Take the cash (and pay income taxes and perhaps a 10 percent federal penalty tax if you are younger than age 59½)
  • Transfer the money to another employer plan (if the plan allows)
  • Roll the money over into an IRA
If the following comment from your CPA sounds familiar, then your CPA is similar to most clients we talk with:
“Put money in your 401(k)/profit sharing plan and pay taxes on the rest. If you want to take home more money, you need to make more money.”
Most people think it’s a good idea to match contributions to the maximum in your employer-sponsored retirement plan or to contribute funds to a “tax-deferred” qualified retirement plan; many times, this is not the case. In fact, tax-deductible qualified retirement plans can be more tax-hostile than tax favorable.
The term “stretch IRA” has become a popular way to refer to an IRA (either traditional or Roth) with provisions that make it easier to “stretch out” the time that funds can stay in your IRA after your death, even over several generations. It’s not a special IRA, and there’s nothing dramatic about this “stretch” language. Any IRA can include stretch provisions, but not all do. The possibilities of the stretch IRA include tax-deferred potential growth, retirement income and legacy planning, making this strategy ideal for many pre-retirees and retirees.
Roberts Wealth Management can help you determine if a rollover or stretch tactic is the right move for you.
Our simple, no-obligation 3-Step Review can help you develop a financial plan that matches up with your goals for today and your future.
Strategies for Financial Independence
To schedule a time to discuss your financial future, contact us at retire@robertswealth.com or call us at 281-277-0645 today!
We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives.
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Who We Are / Our Focus
MEET APRIL & PAUL ROBERTS
We help create retirement income strategies for people in or nearing retirement so their retirement income lasts as long as they do.
WHAT WE DO
Our financial strategies use insurance products, such as annuities, to help you meet financial goals.
UPCOMING EVENTS
View our calendar of upcoming events. We invite all clients, referrals and visitors to attend our events.
MEET APRIL & PAUL ROBERTS
We help create retirement income strategies for people in or nearing retirement so their retirement income lasts as long as they do.
WHAT WE DO
Our financial strategies use insurance products, such as annuities, to help you meet financial goals.
UPCOMING EVENTS
View our calendar of upcoming events. We invite all clients, referrals and visitors to attend our events.