Kelly Ruggles: Symptoms of bad investment

Kelly Ruggles image credit: newmediaandmarketing.com

For many people, because of poor knowledge and lack of experience, investment is a tricky proposition that is more akin to gambling than anything else. According to Kelly Ruggles, financial planner and educator, there are five main symptoms to bad investments, which are usually easier to detect than the actual cause. This makes it more difficult for them to devise a solution to keep them from losing money and actually start gaining a return on their investments.

The first of these symptoms are doubts. While no one can ever be completely sure of their investments, too much doubt on the part of the investor or his or her advisor is a clear sign that the decisions made were incorrect.

Kelly Ruggles image credit: eliminate-creditcard-debts.com

The second, huge losses, may appear to be natural at first; after all, losses are to be expected from time to time. For Kelly Ruggles, however, it is bad practice to continue investing after large losses.

The third is complexity and confusion. These take the form of investments so complicated and poorly understood that many suspect that it was designed to confound them.

The fourth, broken promises, can be really frustrating; one has the right to be fed up when an advisor gives unrealistic promises while glossing over or whitewashing risks.

The last, unnecessary tax burdens, can be particularly harmful to the investor. This is what happens when the stocks in a mutual fund are periodically sold instead of maintained, accruing taxes in the process.

Kelly Ruggles image credit: argplanning.com

More information on the symptoms to look out for while investing can be accessed from Kelly Ruggles’ website.

Kelly Ruggles and why retirement planning is necessary

Kelly Ruggles image credit: consumerscu.wordpress.com

Investment expert and founder of American Reliance Group Kelly Ruggles provides highly advanced investment strategies and money management services to clients who are already nearing their retirement. By combining several methodologies—such as the modern portfolio theory, three-factor model, fixed-income strategies, and institutional approach—Mr. Ruggles is able to stimulate the financial growth of his clients and provide them with a secure post-employment investment.

From Kelly Ruggles

There are reasons why retirement planning is crucial toward the financial health of every worker. The following can give some hints:

Uncertainty of Social Security and pension benefits Government-sponsored retirement does not always produce good harvest. In a decade or two, social security might be gone from the shelf. Counting on personal discipline and resourcefulness is still the most viable way to remain financially stable even after service.

Unforeseen medical expenses Kelly Ruggles and his company focus not only on the financial independence of their clients but also on their physical well-being. Living outside the minimum standard of living means that one has the capacity to remain healthy despite old age. A robust nest egg can help people live out their golden years less burdened of medical expenses.

Kelly Ruggles image credit: sarahwmackey.wordpress.com

Estate planning Retirement planning is way beyond the exclusive confines of the workers’ welfare. Part of their retirement savings may help contribute to their children or grandchildren’s lives, whether through financing their education or simply keeping sentimental assets, such as land or real estate, within the family.

Kelly Ruggles has always focused on the retiree market in both financial and estate planning, and his firm passionately adheres to a client needs-based planning philosophy. More about him and his company can be read at www.argplanning.com.

Kelly Ruggles: American Reliance Group's innovative approach to financial planning

A registered investment advisor, Kelly Ruggles is most known for starting American Reliance Group, Inc. (ARG), a firm that offers investment planning services to would-be retirees. Under his leadership, the company has successfully aided employees in making investments that funded their financial freedom, a feat that the firm performed through its fivefold approach to financial planning:

Kelly Ruggles Image Credit: michaelkdawson.com

1. Relationship. The company takes time to know its clients. Through the first meetings, ARG inquires about their goals and dreams, noting what “successful retirement” means to them.

2. Independence. ARG is an independent financial planning firm, which means it is not tied to the influences of other organizations. Because of this, the company can focus solely on the clients and their needs.

3. Focus. ARG and Kelly Ruggles choose to focus only on a select group of qualified clients. They screen all potential clients to see if they are really determined to succeed financially. The company chooses to focus on quality and not on quantity.

Kelly Ruggles Image Credit: blogs.families.com

4. Dimensional funds. ARG uses a unique investment model developed and sustained by some of the leading economists not only in the US but also in the world.

5. Customized plan. ARG believes that no two clients are alike. With this, the company has always been determined to design unique financial plans for each patron, all designed to help the everyday worker achieve financial freedom.

With these five business ideals, Kelly Ruggles and the Spokane, WA-based American Reliance Group have earned the trust of their clients, making them respected figures in the financial services industry.

Kelly Ruggles Image Credit: edmahoney.files.wordpress.com

More information about Kelly Ruggles is available at www.argplanning.com.