Insights on Wealth Management, Investments, & Hawaii
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Understanding Sequence Risk: A Hidden Threat to Your Retirement Portfolio
As an investor, your focus is often on what to buy, when. As you enter retirement, however, this focus shifts to become what to sell, when. For your portfolio returns, when you experience the returns plays a role in how much return you will experience overtime. By understanding how scheduling withdrawals can impact the long-term value of your portfolio, you can identify ways to optimize the potential for growth, even as you begin with withdraw.
This involves mitigating sequence risk – a critical, yet often overlooked, factor that can significantly impact retirees and those nearing retirement.
Debt vs. Investing: How to Prioritize Your Financial Goals
A common decision investors face is to focus on paying off debt or to start investing for your future. Both are important to achieve financial security and wealth, but they come with different short-term and long-term priorities. So, how do you find the right balance for you?
How Donor-Advised Funds Can Benefit You and the Causes You Care About
Whether you're supporting a personal cause, helping those in need, or responding to a crisis, contributing to philanthropy is important in feeling a sense of purpose and connection to your communities. However, deciding to dedicate income to charitable causes can feel challenging, especially during financially strained times. Donor-Advised Funds (DAFs) offer a practical solution, allowing you to donate to causes that matter to you while maintaining the growth towards your goals in your portfolio. DAFs can help individuals optimize their charitable giving strategy. This post explores the benefits of DAFs and how they can create a win-win scenario for both donors and the causes they support.
10 Things You Should Do in Your 30s and 40s to Prepare for Retirement
Retirement planning can seem like a daunting task, but the earlier you begin preparing for it, the better positioned you are to secure a financially stable retirement. By planning early, you give your portfolio the gift of time to grow and develop, and you can have peace of mind knowing your goals and needed budgets are well-defined. Your 30s and 40s are the perfect time to lay a strong foundation for a secure retirement—no matter where you stand financially right now.
What Is Corporate Cash Management and Why Does It Matter for Your Business?
Developing Financial Goals: A Roadmap to Building the Life You Want
Creating financial goals is a powerful way to take control of your financial future. Whether you’re planning for immediate needs or looking decades ahead, setting clear and thoughtful objectives can give you direction, reduce stress, and help you optimize the use of your resources. Establishing these goes beyond defining monetary targets—it involves reflecting on your values, priorities, and the practical aspects of your life.
Understanding Investment Risks
The Role of Diversification in Building an Investment Portfolio
Diversification is a core principle in building a portfolio that can withstand the ebbs and flows of the market. For investors, understanding the importance of diversification can make a significant difference in long-term financial success. In this post, we’ll break down what diversification means, why it’s useful, and how various asset classes play unique roles in creating a balanced portfolio.
October 25, 2024
Achieving Financial Organization: Your Roadmap to Financial Clarity
Achieving Financial Organization: Your Roadmap to Financial Clarity
Organizing your finances can often seem daunting, but adopting a structured approach can help you reclaim control and gain clarity over your financial life. Financial organization not only helps you track your spending and saving, but it also can empower you to make informed decisions that align with your long-term goals.
October 18, 2024
The Impact of Volatility on Your Portfolio
Market volatility refers to the rate at which the price of an asset or a market index fluctuates. It can be driven by factors including economic news or sudden changes in investor sentiment. It is difficult to track down the cause of volatility in the same way it is difficult to explain or predict the market.
September 27, 2024
Planning Your Finances for a Growing Family
A growing family brings a world of excitement and joy, as new milestones and cherished moments unfold. It’s a time filled with possibilities, from planning family adventures to creating a loving environment where everyone can thrive. However, with this exciting growth comes the opportunity to take a thoughtful approach to financial planning.
September 13, 2024
A Guide to Alternative Investments: Potential Portfolio Diversifiers
When most people think about investing, traditional asset classes like stocks, bonds, and cash often come to mind. While these are important pillars of a diversified portfolio, they are not the only options available to investors. For those seeking to broaden their investment horizons and strategize their portfolio's risk and return profile, alternative investments can be an option.
September 6, 2024
How Long Will My Retirement Savings Last? Key Factors to Consider
Planning for retirement can feel like a daunting task, especially when it comes to answering one of the most pressing questions: How long will my retirement savings last? This is a critical consideration for anyone approaching retirement or already enjoying their golden years. While there’s no one-size-fits-all answer, there are several key factors that will help you determine whether your retirement savings can sustain your desired lifestyle for the long haul.
August 30, 2024
Understanding Private Credit: A Comprehensive Guide for Investors
Navigating Hawaii's High Cost of Living: Financial Tips for Local Residents
August 2, 2024
The Great Wealth Transfer: Preparing for Generational Wealth Transition
As the Baby Boomer generation begins to retire and pass on their wealth to younger generations, we are witnessing what is often referred to as the “Great Wealth Transfer.” Estimates suggest that over the next few decades, trillions of dollars will change hands, creating both opportunities and challenges for families and their financial advisors. This transfer is the process of placing the wealth of the older generations into the hands of younger Generation-X, Millennial, and Generation-Z young adults. Here’s what you need to know about preparing for this generational wealth transfer to create a smoother transition of assets.
Financial Lessons from the Olympics: What Investors Can Learn from Elite Athletes
July 15, 2024
Selecting a Financial Advisor: Fiduciary vs. Broker
In the complex world of financial planning and investment, understanding the roles and responsibilities of financial professionals is crucial. Two common types of advisors you might encounter are fiduciaries and brokers. At 3D Wealth Advisors, we prioritize transparency and education, so this blog post breaks down the key differences between fiduciaries and brokers.
June 28, 2024
Strategic Philanthropy: How to Incorporate Charitable Giving Into Your Financial Plan
June 21, 2024
Are Financial Advisor Fees Worth the Investment?
Investing in AI: Strategies and Considerations for Hawaii Investors
Should You Pay Off Your Mortgage or Invest?
7 Financial Tips for Small Businesses in Honolulu
Does it Snow in Hawaii?
How to Save for Retirement in Hawaii
How Much Do You Need to Save for Retirement?
Do I Need a Wealth Manager?
The need for a wealth manager, also called a wealth advisor, depends on several factors, including your financial goals, current wealth, and investment experience. But hiring a wealth manager may not make sense for everyone. This article discusses how to evaluate whether or not you need a wealth manager, along with the benefits and risks that come with an advisory relationship.