OUR PILLARS
Our Three Core Principles
We have a high standard–At Creations Coastal, we do our best to make sure every client is a priority, and that they’re presented with options to create retirement income strategies that match their individual needs.
Safety First Approach
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Simplified Strategies
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Reasonable Rate of Return over Time
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OUR PILLARS
Safety First: Protecting your Investments
Above all, Creations Coastal wants our clients to feel confident with their retirement income strategies. As a matter of fact, we make it a priority. As Warren Buffett’s quote says, the first rule is not to lose. Given that rule, you must protect your money. With this in mind, we focus on options that protect your money from losses.
Your Risk Tolerance Changes
In the early years of your career, you can invest for the long haul. At the time, you may have had a higher risk tolerance. However, as retirement draws closer–Or arrives–your risk tolerance may lower. Market downturns can cause financial product values to drop. And so, protecting your principal becomes the new priority.
Options Tailored to You
At Creations Coastal we understand that no two situations are the same. During our one-on-one meetings with clients, we take the time to learn more about their individual financial situations and needs. This process will help us to provide you with solutions that meet your individual needs and goals, both for the present and future.
The Bottom Line
The bottom line is this: a safe retirement income strategy starts with preventing losses. Our clients typically have a few things in common:
First, they don’t want to lose the money they have worked so hard to earn and save. Second, they want to ensure they don’t run out of money during retirement–something that can be counteracted by earning interest at a reasonable rate. Third, they want a strategy they understand and feel confident in.
If any of these ideas sound interesting to you, please reach out to us. Our team is here to answer your questions and help you on your way to a successful retirement.
OUR PILLARS
Reasonable Rates of Return Over Time
What is a reasonable rate of return over time? Earning enough interest to ensure you don’t run out of money in retirement–even with the rising cost of living, is crucial.
The Stock Market Is Not the Only Way
Many people think the only way to earn reasonable returns on their money is in the stock market. This approach may have a high upside, but it also includes more risk, something you may be less comfortable with as you get older. So many of our clients were completely shocked to find out that there were options out there for them that protected their principal while in retirement while still earning a reasonable rate of return over time.
What if the Market is Down?
Many of the options we can offer you at Creations Coastal are not directly tied to the stock market. Instead, they earn returns based on the performance of an index, but will not lose value even if that index falls. Even in a down market, your money will be kept safe, but you will have the possibility to earn higher interest when it’s on an upward trend.
OUR PILLARS
Simplify Your Strategy
Creations Coastal strives to help keep things simple within our clients’ retirement income strategies. Many professionals out there make retirement more complex than it has to be. Sometimes, clients don’t even understand how their retirement strategy works. We work with our clients, side-by-side on an annual basis to ensure their strategy is still working for them.
Is “Retirement Made Simple” Possible?
With all the information out there, creating simple retirement income strategies may sound like a pipe dream. Straightaway, retirees have to decide where to put their money. Not only are there various options to figure out, but individual accounts, products, et cetera come with different rules. For example, you’ve had to decide whether to put your money in a 401(k), 403(b), traditional IRA, Roth IRA, et cetera. On top of that, you’ve also had to make decisions about which funds to invest in along the way.
Retirement made easy doesn’t sound so easy… but, it can be. We’re here to walk you through your options so you can determine what you think the best one is for you.
How To Keep It Simple
Riding the waves of the stock market while you’re still working is one thing. Doing so while in retirement, on the other hand, is very different. The fluctuations of the market mean you could lose some or all of your hard-earned savings. Put simply, when you hit retirement, it becomes time to protect your money.
You deserve a retirement income strategy that doesn’t force you to spend all your time worrying about your investments. If you choose to work with us, we can guide you toward options to make your retirement strategy simpler, giving you more confidence during retirement.
Tim F. | Client since 2021
“Daniel and his team are extremely professional. I’m impressed with the product knowledge, especially the complex tax issues.“
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