Locker Financial Capital Appreciation Capital appreciation is an objective for long-term growth. If retirement savings is one of your goals, the strategy would most likely involve a qualified retirement plan. There, your investments have many years to work. This objective isn’t limited to retirement plans. It can also mean building wealth over many years. With a capital … Read more
Remarriage brings its own complexities. Without a prenuptial agreement, your current spouse may have legal claim to up to half your estate. Trusts such as a marital trust, QTIP, or irrevocable life insurance trust can provide income for a surviving spouse while preserving assets for your children. Parents of a child with special needs face … Read more
One important distinction to be aware of is how returns are calculated. Investment returns are often reported on a time-weighted basis, which measures performance relative to when you first invested. This method does not account for the timing of additional deposits or withdrawals. A dollar-weighted return, on the other hand, measures the investment return based … Read more