Dentaltown July 2022 - 69

Scenario 2
For CWA clients, we have access to
Age 67. Newly retired and anticipates the
need to move aging parents into senior
living in the next three to five years.
Personal retirement savings is secure;
however, short-term cash is on hand for
monthly lifestyle needs rather than this
unexpected family situation.
In this case, managing risk is essential.
Investors should set low expectations on
returns in exchange for peace of mind. Designing
an allocation that has both bonds
and equities can offer protection while still
producing some returns when needed.
I can put on paper what you should
do with your short- and long-term money,
but I can't generalize what to do with your
near-term money; that needs to be a custom
plan for you. That's why talking to a
CPA or trusted wealth advisor is so important
in helping investors find the right vehicle
that's going to serve their unique needs.
investments where, over a two-year period,
you can get a return on your money
that's greater than just sitting in cash.
Just make sure, in addition to the higher
interest rate you're getting, you also have
enough liquidity to access that cash when
you need it.
When you speak to an advisor, discuss:
* Your near-term goals, plans and
strategies.
* How to invest your money to best
protect it from volatility in the market,
inflation and rising interest rates.
In summary
For investors fretting over their shortterm
money devaluing: Take a deep breath
and try not to let it bother you. By all indications,
this inflationary period looks to
be transitory and should level out rather
quickly.
For the long-term cash, it's simple.
Ask yourself, " Is this five-, 10- or 20-year
money? " Then treat it as such and wrap it
strategically into your other long-term investment
mix.
For the near-term money, make it personal.
Make it real. Then talk to an advisor
about how to make it happen in a way that
grows your money but keeps it suitably accessible.
n
Cain Watters is a registered investment advisor. Cain Watters
only conducts business in states where it is properly registered
or is excluded from registration requirements. Registration is not
an endorsement of the firm by securities regulators and does
not mean the adviser has achieved a specific level of skill or
ability. Request Form ADV Part 2A for a complete description of
Cain Watters investment advisory services. Diversification does
not ensure a profit and may not protect against loss in declining
markets. No inference should be drawn that managed accounts
will be profitable in the future or that the manager will be able
to achieve its objectives. Past performance is not an indicator of
future results. All investments and strategies have the potential
for profit or loss. Different types of investments involve higher and
lower levels of risk. Historical performance returns for investment
indexes and/or categories, usually do not deduct transaction and/
or custodial charges or an advisory fee, which would decrease
historical performance results. There are no assurances that an
investor's portfolio will match or exceed any specific benchmark.
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Dentaltown July 2022

Table of Contents for the Digital Edition of Dentaltown July 2022

Dentaltown July 2022 - Intro
Dentaltown July 2022 - Cover1
Dentaltown July 2022 - Cover2
Dentaltown July 2022 - 1
Dentaltown July 2022 - 2
Dentaltown July 2022 - 3
Dentaltown July 2022 - 4
Dentaltown July 2022 - 5
Dentaltown July 2022 - 6
Dentaltown July 2022 - 7
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Dentaltown July 2022 - 69
Dentaltown July 2022 - 70
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Dentaltown July 2022 - Cover3
Dentaltown July 2022 - Cover4
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https://www.nxtbook.com/farran/dentaltownuk/2018Winter
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