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Investing Your Money

5 Tips for Handling Market Volatility

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3 Common Behavioral Biases 

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How should I invest my money?

Summit Financial Advisors
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What We Do
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Investment management

Your portfolio.
A purpose beyond
the markets.

Your investments should serve the life you want to live. We help connect your portfolio with your income needs, family priorities and long-term financial plan.

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Diamond Head and the Pacific coastline in Hawaiʻi

A plan before a portfolio

Invest with your
whole financial life in view.

As wealth grows, investment decisions become more connected to everything else. We consider how your assets support retirement, near-term needs, family commitments and the legacy you hope to leave.

The decisions behind your strategy

Personal priorities.
A disciplined perspective.

01

Goals & time horizon

Give each part of your portfolio a role based on what the money is for and when you expect to need it.

02

Risk & resilience

Discuss your comfort with uncertainty alongside the risks your broader financial plan needs to address.

03

Income & liquidity

Consider upcoming spending, retirement withdrawals and the resources you want available for unexpected needs.

04

Taxes & account choices

Look at how your investments and account types fit into your broader after-tax financial picture.

Clarity amid complexity

More assets.
More moving pieces.
One broader perspective.

You may have employer retirement plans, IRAs and taxable accounts built over many years. We help you look across those resources so individual decisions support a coordinated strategy.

When appropriate, we can work with your CPA or accountant to consider the tax implications of investment decisions.

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Questions we help you explore

Does my portfolio reflect what I need from my wealth?

How much risk am I taking across my accounts?

How do my investments support retirement income?

How do taxes affect my investment decisions?

What should change when my circumstances change?

An ongoing relationship

Keep your perspective.
Revisit your plan.

Markets move. Priorities evolve. We review your investment strategy in the context of your goals and circumstances, helping you evaluate whether changes are warranted.

Our conversations focus on what your portfolio is meant to accomplish and the tradeoffs involved in the choices ahead.

A thoughtful review considers

Your goals and spending needs

Your time horizon and risk tolerance

Your investments across accounts

Changes in your family and financial life

Investment perspectives

Stay informed.
Keep the bigger picture.

Explore these conversations from Summit’s team.

Watch

5 Tips for Handling Market Volatility

A conversation about navigating periods of market uncertainty.

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Connect your plan

From Your Portfolio to Retirement Income

Explore how investments fit into the decisions that shape your next chapter.

Explore Retirement Planning

Invest with purpose

Let’s connect your portfolio
to what matters most.

Begin with a conversation about your goals, resources and priorities.

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How can I reduce my taxes?

Reducing taxes is usually one of the top priorities for most of our clients and rightly so. We feel that it is important to not only look at tax reduction today and into the future, but also during retirement and when assets are passed to the next generation. During your life, your career and income path could change many times and with it your taxes change too. We work with you to help ensure that as your life changes, we are guiding you as to the most tax efficient way to save and invest. Although we are not accountants, we feel it is extremely important to stay educated on changes to tax laws that could impact your investment and retirement strategies. We encourage you to introduce us to your CPA or accountant so that we can work hand in hand with them to pursue your goals.

When Should I Start Saving and Investing?

The time to start saving for any goal is today. The earlier you start putting money away for a goal whether it’s retirement, a house, a child’s education, or a vacation, the better off you could be. It's possible that someone who is in their 20’s saving for retirement is able to put away less money every year than someone who is in their 50’s to reach the same goal. With the cost of living rapidly increasing every year, it has become more imperative to start saving as early as possible.


What are my options for saving for my children’s college?

The rising cost of college has many parents worried how they will be able to afford their children’s college education. Even if a student decides to pay on their own and take on student debt, the massive debt they can incur after leaving college can be crippling to their financial future. The biggest factor in saving for college is the pace at which the cost of education is increasing. To save efficiently, we need to position the assets to keep up with college inflation. Another factor that needs to be taken into consideration is how the money will be taxed when it is time to pay for college related expenses. Different types of accounts tax money at different times or not at all depending on what the money is used to pay for. Our qualified financial planners at Summit Financial Advisors can help you decide which account best fits your needs and desires.

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