Financial & Retirement Planning
Luna Capital Management employs a holistic, personalized financial planning approach based on your individual needs and goals, your personal risk profile, and any special circumstances related to your finances.
Data Discovery At the onset of our discussion surrounding your financial needs, we collect information about your income and expenses, your investment portfolio and other assets and liabilities. Typically you will complete a user-friendly online planning questionnaire that helps to establish your risk profile and identify other pertinent information that should be considered in our review. Throughout the review process, we work with you to help determine your investment goals and to establish an appropriate time horizon over which to achieve them.
Financial Planning Report We use the information you provide to develop a complete Report, which is designed to analyze your financial position as it is expected to evolve over time. Our proprietary approach allows us to consider your assets, liabilities, income, and expenses on both a current and future basis. We evaluate the probability of achieving your objectives under different sets of assumptions and consider scenarios that could adversely affect your goals.
Investment Policy Statement and Your Financial Analysis Document After our analysis is complete, we will produce a user-friendly report that delineates the results of our review and offers specific, actionable recommendations to help address your needs and meet your goals. The financial review will include our recommendations for your portfolio asset allocation and our advice about the tax efficiency of your investments. You may choose to implement the recommendations on your own or work with us to implement the plan.
When working with our clients we identify and emphasize these key points:
- Gain an understanding of what your living expenses will be once you retire paired with the amount of annual income you will need to cover expenses and for how long.
- Maintain the importance of asset allocation and periodic rebalancing in mind as you move into retirement.
- Ensure your portfolio is allocated properly to help meet your needs and risk tolerance, which will most likely be changing.
- Help create a strong strategy for generating income during retirement. You will want to prioritize the importance of income, continued growth, access to your money, and principal preservation.
