Dr. David Blanchett on Buckets, Markets, and this Wild, Wacky Year

It’s been quite a ride in 2020.  But regardless of where the markets are now, or have been, the financial goals for many people likely remain the same: enjoy retirement to the fullest, and don’t run out of money, before they run out of time.

Of course, there are no guarantees that every one of your goals will be achieved; life just doesn’t work that way.  The key is to set yourself up so that the potential for success is there — and to enlist the help of someone who works toward making it happen.

Dr. David Blanchett, CFP®,CFA® , and head of the retirement research division of Morningstar Investment Management, spoke recently with Lucia Capital Group advisor Chris Panagiotu, CFP® , CRPS®  , about market strategies for 2020, maintaining focus on your goals, and how a financial advisor may add potential value to your overall retirement savings.

Important Information:

The information provided should not be considered specific tax, legal, or investment advice and is not specific to any individual’s personal circumstances. To the extent that this material concerns tax matters, it is not intended or written to be used, and cannot be used, by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Each taxpayer should seek independent advice from a tax professional based on his or her individual circumstances.

Different types of investments and/or investment strategies involve varying levels of risk, and there can be no assurance that any specific investment or investment strategy (including the investments purchased and/or investment strategies devised by Lucia Capital Group (“LCG”)) will be either suitable or profitable for a client's or prospective client's portfolio, thus, investments may result in a loss of principal. Accordingly, no client or prospective client should assume that the presentation (or any component thereof) serves as the receipt of, or a substitute for, personalized advice from LCG or from any other investment professional.

You should always seek counsel of the appropriate advisor prior to making any investment decision. All investments are subject to risk including the loss of principal. This material was gathered from sources believed to be reliable, however, its accuracy cannot be guaranteed.

These materials are provided for general information and educational purposes based upon publicly available information from sources believed to be reliable—we cannot assure the accuracy or completeness of these materials. The information in these materials may change at any time and without notice.

Examples cited are hypothetical, are for illustrative purposes only, are not guaranteed and subject to potential federal and state law amendments. There is no guarantee that you will achieve the results discussed or illustrated.

Diversification strategies do not ensure a profit and cannot protect against losses in a declining market.

It is important to keep in mind that investments in fixed income products are subject to liquidity (or market) risk, interest rate risk (bonds ordinarily decline in price when interest rates rise and rise in price when interest rates fall), financial (or credit) risk, inflation (or purchasing power) risk and special tax liabilities. Interest may be subject to the alternative minimum tax. Treasury securities are backed by full faith and credit of the U. S.
Government but are subject to inflation risk.

Treasury securities are backed by full faith and credit of the U. S. Government but are subject to inflation risk.

The information contained herein does not constitute an offer to sell or a solicitation of an offer to buy securities. Investment products described herein may not be offered for sale in any state or jurisdiction in which such an offer, solicitation or sale would be unlawful or prohibited by the specific offering documentation.

Chris Panagiotu is a registered representative with, and offers securities through LPL Financial member FINRA/SIPC. Advisory services offered through LPL Financial, a registered investment advisor. Lucia Capital Group is a separate entity from LPL Financial. David Blanchett and Morningstar Investment Management are not affiliated with LPL Financial or Lucia Capital Group.

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