Portfolio Management – Planning for the Certainty of Uncertainty

How Living Longer Affects Your Portfolio (Ep. 17)

By thecertaintyofuncertainty | December 15, 2022

Advancements in modern medicine have significantly improved the average life expectancy compared to a few decades ago.

How does this impact retirement planning? What are the resulting implications for your portfolio?

In this episode, Jon Kuttin, CRPC®, AAMS®, AWMA®, CMFC®, CRPS®, Private Wealth Advisor, talks about longevity risk, why it is highly relevant today, and strategies to plan for the financial uncertainty that comes with living a longer life.

Jon discusses:

Opportunities to work longer without having to go back to your full-time job
How to account for higher expenses and health care costs (especially in light of current inflation)
How investment considerations might change in longer investing time horizons
Why liquidity and cash flow are the two most important components of longevity planning
And more!

Resources:

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Black Swan Events: What Are They and How To Deal With Them? (Ep. 13)

By thecertaintyofuncertainty | April 14, 2022

Time and again, we face black swan events in the world of finance. They are unpredictable events that can severely impact the financial markets.

In this episode, Jon Kuttin, CRPC®, AAMS®, AWMA®, CMFC®, CRPS®, Private Wealth Advisor, addresses several ongoing black swan events throughout the world and how you can manage your emotions to make smarter financial decisions.

Jon discusses:

Why you don’t always need to react to the “noise in the market”
How to avoid getting caught up in the investor emotion cycle
When and how you should rebalance your portfolio
Strategies to help you be better prepared to face future black swan events
And more!

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Why Portfolio Management Is Not as Complex as You Think (Ep. 12)

By thecertaintyofuncertainty | March 17, 2022

Asset allocation, rebalancing, dollar-cost averaging — do these terms seem foreign to you?

Such financial jargon can often make portfolio management sound a lot more complex and overwhelming than it really is.

In this episode, Jon Kuttin, CRPC®, AAMS®, AWMA®, CMFC®, CRPS®, Private Wealth Advisor, simplifies the process of portfolio management and explains complex financial terms in an easy-to-understand manner.

Jon discusses:

How your risk tolerance, investment horizon, and needs affect portfolio management
What it means to rebalance your portfolio regularly
Active vs. passive investing — which one is right for you?
The importance of dollar-cost averaging, especially while investing a large sum of money
And more!

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Want To Find the Right Advisor? Ask These Questions Before Hiring (Ep. 9)

By thecertaintyofuncertainty | February 3, 2022

You’ll likely work with your financial advisor for several years, share your personal finances with them, and discuss critical family issues.

So it’s important to take the time to find the right advisor — one you enjoy working with!

In this episode, Jon Kuttin, CRPC®, AAMS®, AWMA®, CMFC®, CRPS®, Private Wealth Advisor, provides a list of questions you can ask advisors before hiring them so that you can ensure your goals and values are aligned with their services.

Jon discusses:

How people with minimal financial knowledge can effectively interview advisors
What you should know about an advisor’s education and fee structure
The number one question you should ask every advisor
The importance of finding the right advisor
And more!

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Asset Allocation Simplified: What You Should Know Before You Start Investing (Ep. 8)

By thecertaintyofuncertainty | January 20, 2022

Building an investment portfolio is not just about achieving the best rate of return.

It should be constructed based on your unique financial goals and situation.

In this episode, Jon Kuttin, CRPC®, AAMS®, AWMA®, CMFC®, CRPS®, Private Wealth Advisor, dives into the basics of asset allocation. Drawing from Harry Markowitz’s Modern Portfolio Theory (MPT), Jon explains how different asset classes, as well as other factors such as your risk tolerance and your investment horizon, might affect your investment decisions.

Jon discusses:

The importance of goal-based investing
General rules of thumb that you should consider while constructing your portfolio
Why your actual risk tolerance could be different from what you think it is
How to remain aligned with your long-term goals by rebalancing your portfolio
And more!