Wiley Group - Retirement Portfolios and Retirement Advice

You 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.  The Wiley Group can tell you when you have the "green light" for retirement.

Maybe.  Whether you are 30 or 60 years old, by getting an idea of your life's goals, The 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.

The Wiley Group strives to be as transparent as possible when it comes to managing your assets.  Each quarter, you will receive a comprehensive, one-page 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.

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.

We use sophisticated software to analyze each client's portfolio for risk and return. We can give you the basic bottom line performance of every portfolio.

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.

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.

As a client of The 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.

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.

Involuntary separation from your job can be a terrifying, yet also liberating, experience.  The 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.

Diversification and prudent decision-making are the best protection.  The Wiley Group can help you prepare for the inevitable downturns in the market.

Part-time work is becoming increasingly more prevalent for retirees.  With our feasibility analysis, The Wiley Group can tell you if part-time employment is actually necessary.

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's what we're here for.

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.

We 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.  The Wiley Group has been working with clients for over 25 years.

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 the Wiley Group. We strive to link the goals of the 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.