Financial Planning Investment PlanningInvestment Tax Planning Estate Planning

What is investment planning?

You invest for the future, and the future is expensive. For example, college expenses are increasing more rapidly than the rate of overall inflation. And because people are living longer, retirement costs are often higher than many people expect.

You have to take responsibility for your own finances, even if you need expert help to do so. Government programs such as Social Security will probably play a less significant role for you than they did for previous generations. Corporations are switching from guaranteed pensions to plans that require you to make contributions and choose investments. The better you manage your dollars, the more likely it is that you'll have the money to make the future what you want it to be.

Because everyone has different goals and expectations, everyone has different reasons for investing. Understanding how to match those reasons with your investments is simply one aspect of managing your money to provide a comfortable life and financial security for you and your family.

We believe investment planning is a six-step process:

  • Setting investment goals
  • Understanding your investment personality
  • Designing an investment portfolio
  • Selecting specific investments Managing and monitoring the portfolio
  • Rebalancing or redesigning the portfolio, if needed



Securities offered through Cambridge Investment Research, Inc., a Broker/Dealer member FINRA/SIPC. Investment Advisor Representative, Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Cambridge does not provide tax or legal advice.  Financial planning services offered through Andover Advisory Group, a Registered Investment Adviser.  Andover Advisory Group and Cambridge Investment Research, Inc. are not affiliated.