Questions or comments? Call the delightful Anna at 704-366-5776, ext. 289

 

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      Client’s First Visit

      Every new client spends his or her first meeting with Ryan in a 45-minute “get acquainted” session that’s relaxed, conversational and substantive. It’s the best way to begin a good working relationship.

 

 

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      Compensation

      Full transparency is the only way to build trust. That’s why it is important to understand how your financial planner gets paid; commission or fee-based? The difference is important.

 

 

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      Quantitative vs. Qualitative

      Ryan cautions against assessing financial planners solely on their quantitative claims. There is much more to successful, long-term relationships than rates of return and stock performance.

 

 

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      Understanding Life Insurance

      Term insurance, permanent or both? The questions about life insurance — and the strategies for making them work for you — go much deeper than that.

 

 

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      Long-Term Care Insurance

      Not needing long-term care insurance is about the only time you can purchase it. Ryan touches on when and why this instrument needs to factor into your financial thinking.

 

 

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      Risk & Asset Management

      Some people are naturally risk averse, some are more open to it. Ryan asks his clients to examine their reasons for assuming more risk before taking it on.

 

 

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      Life Insurance as Investment

      It might surprise you that the people who least need life insurance are often the ones who invest in it; Ryan explains the ideas behind life insurance as investment strategy.

 

 

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      How is PCA Compensated?

      It may be a rarity in the financial planning industry, but Ryan lifts the curtain on how his company gets compensated; something you should ask any financial planner to do.

 

 

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      Three Phases of Your Financial Life

      Have you thought about the continuum of your financial life? Ryan has, and he calls the three stages accumulation, distribution and conservation.

 

 

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      Understanding 401(k) Plans

      One of the most popular savings vehicles is also one that demands a good deal of attention as you near retirement; uninformed decisions could have significant tax consequences.

 

 

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      Understanding Annuities

      The label “annuities” can mean many things. Ryan breaks down the three fundamental types — income, variable and fixed.

 

 

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      Asset Allocation

      Of the literally thousands upon thousands of investment choices, from the extremely low risk to the extremely high, there’s a blend that fits your goals.

 

 

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      Understanding Certificates of Deposit

      Most of us are familiar with the popular product offered at most every bank. But what’s the trade-off for its seemingly risk-free return?

 

 

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      How Much Life Insurance Do You Need?

      This is a very personal decision; know which questions to ask about your family, your obligations and more as you decide how to insure your life.

 

 

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      Understanding Individual Bonds

      Investing in a corporation through bonds can offer appealing rates of return; but be sure to weigh the risk of that attractive interest rate.

 

 

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      Understanding Individual Stocks

      Never lose sight of the fact you become a part owner when you buy a stock. You share in the company’s successes, and you suffer through their failures.

 

 

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      Understanding IRAs

      Traditional IRA or Roth IRA? Neither is necessarily better than the other, but understanding the benefits and limitations of each is essential for any investor.

 

 

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      Ladies’ Luncheons

      One of Ryan’s most enjoyable interactions is during his monthly Ladies’ Luncheon events–an informal, low-stress but highly informative gathering for women only.

 

 

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      Long-Term Care Insurance

      An uncomfortable topic for some but a vital consideration when planning for retirement: What do you do if you suffer a debilitating health issue?

 

 

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      Understanding Mutual Funds

      Perhaps the most widely held investment vehicle, mutual funds give you the opportunity to have tremendous investment diversity with relatively little money.

 

 

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      Understanding REITs

      Real Estate Investment Trusts, a very popular investment ahead of the 2008 downturn, can be an attractive investment for some individuals who see them similarly to mutual funds.

 

 

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      Life Is Not Lived On A Spreadsheet

      Sometimes life has a way of disrupting the most carefully laid plans. Ryan talks philosophically about his approach to financial counsel and how he interacts with his clients.

 

 

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      Client Experience

      In his 25 years in the industry, Ryan has heard one thing more than any other from new clients: “I don’t hear from my advisor enough.” PCA’s high-touch approach is very different.

 

 

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      Social Security Workshops

      Everyone who worked in their lifetime is ostensibly eligible for Social Security benefits. But the most intelligent strategies for using those benefits differ from person to person.

 

 

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      Understanding the Insurance Industry

      Do you know the difference between “captive insurance companies” and an “independent insurance broker”? It’s an important distinction to know when dealing with your advisor.

 

 

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      Understanding ETFs

      Exchange Traded Funds are similar to mutual funds but the subtle differences include some potential tax advantages. It pays to explore this quite popular investment option.

 

 

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      Retirement Cash Flow

      At PCA we want to look at the various cash flow dynamics — how much income is coming in and how much is going out — that are unique to your situation and retirement.

 

 

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      Understanding Reverse Mortgages

      Reverse mortgages or carrying any kind of debt into retirement are tools that might help you enjoy your wealth while alive. But there are trade-offs you should weigh.

 

 

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      Protecting Client Assets

      A household name may be reassuring to some people who wonder if an independent firm like PCA is a safe place for your money. The key is having a third-party custodian.

 

 

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      It’s About Relationships

      You are the worldwide expert on what is important to you. We are the experts in the financial world. In order for our relationship to work, we both have to be candid. That’s the PCA difference.

 

 

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      Investment Philosophy

      Our investment philosophy is aligning with clients on what we are trying to achieve. Because money is just ink on paper until you exchange it for something you personally value.

 

 

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      Evening Workshops

      Our monthly workshops differ from other firms’ in a number of ways: They are friendly, lively, thought-provoking and open only to clients and subscribers to our newsletter.

 

 

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      Financial Planning 101

      Conventional wisdom is that in retirement you should not touch your principle savings and only spend the interest or dividends. But should that really be the fundamental approach?

 

 

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      Do I Need A Financial Advisor

      Don’t let uncertainty, fear or apprehension prevent you from taking one small but very important step: Making contact and having an initial conversation about financial planning.

 

 

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      Not All Debt Is Created Equal

      Don’t make the mistake of viewing all debt with the same eye; some debt is more punitive than others and identifying that can be essential to protecting your wealth.

 

 

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      Being An Entrepreneur

      The spirit of an entrepreneur manifests itself early in life for some. Ryan honed his love of business as a 9 year old who understood his siblings’ love for candy.