Retiring in Hawaii            

             Retiring in Hawaii, like living on the islands is a little different than anywhere else in the country.  Our property taxes are reevaluated yearly at 100 percent of the appraised value and especially on Oahu this can mean doubling in a very short time.  Our healthcare costs are the highest in the nation while food and auto-energy expenses typically exceed that of the main land by over 20 percent.  Thus is the cost of living in paradise. We clearly have some unique challenges.

               The typical portfolio allocations for retirees do not adequately address the cost of living increase for the retired Hawaiian. In order to maintain our standard of living, we require more growth within our portfolios.  The challenge is to achieve this growth without exposing your nest-egg to higher risk.  At The No-Load Fund Advisor, we employ a protective plan for our island ohana by investing in mutual funds to increase returns while decreasing risk.  How?  We do it by using our proprietary proactive management system. 

              By proactively managing the portfolio, we can overweight stock funds when the risk is low, near the beginning of an upward trend achieving higher rates of growth.  Then as the trend matures and begins to display the elements of a higher risk market, we reduce our exposure opting for other funds such as bonds or even money market funds.  By reducing our stock allocation in higher risk markets, we protect our gains; reduce our volatility thus increasing our safety.  The same strategy can be applied to the bond funds, international funds and even gold funds.  We use this dynamic allocation system to spread our risk among the asset classes; but unlike the blind or blanket asset allocation approach, we work to avoid the high risk markets.  These can put a drag on portfolio growth and increase overall risk.  By avoiding them, we can achieve our goal of higher growth with less overall risk.  Don’t get me wrong.  This is not easy. We do our homework consistently.  We have developed systems over the last twenty years to direct us in these moves.  It has paid off with success, low risk, and better returns.  

              Let us help you retire in Hawaiian style.

Consultation:

               We offer free consultation on Oahu and hold workshops throughout the year.  If your portfolio is $100,000 or more and you would like to meet with us and or attend one of our educational and informative retirement planning workshops, contact us today.  We will arrange a meeting or add you to the notification list for our next workshop. 

                Occasionally, we bring our workshops to the neighboring islands .  If you would like to receive notification of our next event or meet with us on our next visit, please drop us an e-mail.

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