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Frequently Asked Questions

Answers to some of your most frequently asked questions.

Frequently Asked Questions

About Retirement Planning:
Retirement planning can be complicated. There are forecasts, methodologies, models, graphs, and more. We've put together some of the questions we hear a lot.

How do I know when I can afford to retire?
We will need to run a feasibility analysis to make sure you have accumulated enough assets to support your desired standard of living for as long as your retirement lasts. Wiley Group can tell you when you have the "green light" for retirement.

Am I saving enough?
Maybe. Whether you are 30 or 60 years old, by getting an idea of your life's goals, Wiley Group can tell you in simple, easy-to-understand terms, exactly how much you need to save from now until your anticipated retirement date.  We acknowledge that this analysis may require you to adjust your current spending and savings habits.

Does getting help mean giving up control of my account?
Wiley Group strives to be transparent when it comes to managing your assets.  We make portfolio adjustments on an as-needed basis, and you receive a personal e-mail notification the next day. Each quarter, you will receive a comprehensive performance report.  You will also receive monthly e-mail content, client educational events and frequent conference calls to keep you apprised of your current situation.  In fact, many clients actually feel like they are more involved in the managing of their finances once they begin working with us. You will have the serenity of knowing exactly where you stand on any given day. And if you have questions, your advisor is just a phone call away.

What mix of investments is right for me?
We will work with you to develop a long-term, strategic asset allocation and risk profile in order to determine exactly how best to invest your assets.

How much company stock should I own?
This is a tricky question, because there is no right or wrong answer.  From our observations, we have found that many people have a tendency to hold too much company stock.  We can guide you on making the best decisions possible to avoid unnecessary risks in your portfolio.

You say that you "specialize" in dealing with pre-retirees, what does that mean?
Pre-retirees that work for large corporations have unique investment and planning needs that differ vastly from the average investor. Most of our clients come from similar backgrounds, so we can tailor our advice accordingly.

How often do I need a portfolio checkup?
As a client of Wiley Group, you will feel confident in your portfolio allocation because of the comprehensive, transparent information with which we supply you.  From our client e-mail newsletters to our quarterly portfolio performance conference calls to our educational client events, we will make sure that you have a complete understanding of all the aspects of not only your retirement plan, but your portfolio as well.

What happens to my Retirement Feasibility Analysis once I retire?
We need to update your financial plan each year in retirement to make sure that you are still on track for a successful retirement. Life Happens. Market conditions may be poor in a given year, or you may need a cash infusion to cover an emergency.

What should I do in the event of being laid off?
Involuntary separation from your job can be a terrifying experience. Wiley Group has worked with many people in this situation and are committed to giving you comprehensive analysis and feedback about how your separation will affect you.  We will also put contingency plans in place to determine exactly how you will need to keep your goals on track.

How do I protect my nest egg?
Diversification and prudent decision-making are the best protection. Wiley Group can help you prepare for the inevitable downturns in the market.

Should I plan on working part-time in retirement?
Part-time work is becoming increasingly more prevalent for retirees.  With our feasibility analysis, Wiley Group can tell you if part-time employment is actually necessary.

If I become a Wiley Group client, what do I do about general financial questions?
Our clients contact us frequently with questions about home improvements, paying for weddings, elder care, etc. We encourage this. We want to be able to answer any questions that you may have for the rest of your life. That is why we are here.

How are you compensated?
We are paid an advisory fee. If your accounts increase in value, our income increases as well. We are all on the same side of the table. Also, there is no additional cost for the extensive financial planning work that we do for our clients.

Why shouldn't I just move my money to another firm when I retire?
We believe that we offer a much more hands-on experience than the do-it-yourself firms. Making retirement work and optimizing portfolio returns is extremely complicated, and is not a skill one can acquire in a short period of time.  Wiley Group has been working with clients for over 30 years.

What are the benefits Wiley Group offers as a fully independent Registered Investment Adviser?
One of the differences between an unregistered financial advisor or stock broker at a large firm, and an independent registered investment adviser, is the depth of fiduciary responsibility the registered adviser has to you and you alone. Registered investment advisers have an added level of fiduciary responsibility and they are regulated by the Securities and Exchange Commission (SEC).This is an ethical and legal obligation that would preclude, for example, the sale of a proprietary investment that knowingly placed the interests of the broker or the brokerage firm ahead of your own.

A registered investment adviser's fiduciary role requires a level of independence and client commitment that we believe is best achieved at a fully independent firm like Wiley Group. We strive to link the goals of Wiley Group exactly and directly to your own in order to bring an added level of oversight and trust to all of our existing and future relationships.

Frequently Asked Questions

Answers to some of your most frequently asked questions.