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Are “Rules of Thumb” worth following?

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In today’s video, we’re revisiting the 4% rule for retirement—a classic rule of thumb that’s making a comeback! The 4% rule suggests that you can safely withdraw 4% of your retirement savings annually without depleting your nest egg. But is it truly a one-size-fits-all approach? Factors like inflation, risk tolerance, investment performance, and spending behaviors all play a role in determining whether this strategy works for your unique circumstances.

👉 Click play to learn how the 4% rule fits into modern retirement planning and how to tailor it to your financial goals!

This is the article I reference in the video: The 4% Rule for Retirement Is Back

Have we given you enough confidence in your financial future?

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In this video, I address a common question I get asked: “What if this happens?”—whether it’s about market changes, elections, or unexpected shifts. These “what if” questions often stem from a place of uncertainty and anxiety about the future.  Here at Ross financial it is our hope that you feel like we have put your mind at ease about your financial future.  Here is our challenge for you: instead of asking, “What if this happens?” try shifting your perspective to, “Even though this is happening we’re going to be okay.”  If you don’t feel like you have the peace of mind that you need, please reach out to us so we can install that piece of mind that you deserve as clients of ours.

A strong financial foundation allows us to handle change with confidence. So, let’s start reframing our thinking to focus on resilience and security, no matter what the future holds.

Iron Sharpens Iron

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In today’s video of Matt’s Minutes, Matt is taking a break from his usual market-related content and sharing some self-improvement videos over the next few weeks. Today he’s sharing a concept we all know well: Iron sharpens iron. Being part of the Chairman’s Council at Raymond James, which is the top 100 financial planners in the country, he was invited to an exclusive conference in New York City last week. The things that he learned and the people he met made the trip absolutely priceless. Click on the video above to watch the full video

This picture speaks volumes

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Take a look at the picture we show in the video.  I think it’s probably the most simple visual of what it looks like for people who choose the easy road versus the hard road, and what their potential experience looks like once they’ve made that choice.   

Please share this message with those that you care about.

“Truly successful decision-making relies on a balance between deliberate and instinctive thinking.”– Malcolm Gladwell

Identity Theft and Cybercrime Toolkit

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In today’s episode of Matt’s Minutes, we are sharing some valuable tips and tricks to protect yourself and your loved ones from identity theft and cybercrime. Identity theft and cybercrime have become increasingly prevalent in our digital age, making it crucial to stay informed and proactive in safeguarding our personal information. If you remember, a few years ago we hosted a webinar with former FBI agent Jeff Lanza. He shared a wealth of knowledge with us, below is his 5-page guide. The guide offers practical advice on creating strong passwords, recognizing phishing attempts, and securing your devices, empowering you to take control of your online security. Additionally, we encourage you to share these tips with your friends and family, as raising awareness is key to combating these threats together. 

Click here to Access The Toolkit

Story time with Uncle Matt- A Tale of 5 Investors

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In this episode of Matt’s Minutes, Matt shares a tale of five investors. In this story, each of these investors received a cash gift from their fairy godmother to invest. Some investors used their gifts wisely, making strategic investment decisions and multiplying their wealth; others did not. Click on the video above to see the various outcomes for the five investors. 

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Securities offered through Raymond James Financial Services, Inc. Member FINRA/SIPC. Investment advisory services are offered through Raymond James Financial Services Advisors, Inc. Constellation Wealth Services is not a registered broker dealer and is independent of Raymond James Financial Services.

Matthew Ross has been named 2024 Forbes Best-In-State Wealth Advisors, developed by Shook Research, is based on the period from 6/30/2022 to 6/30/2023 and was released on 4/3/2024. 42,108 nominations were received, and 8,500 advisors won. Neither Raymond James nor any of its advisors pay a fee in exchange for this award. More: https://bit.ly/43DMgjX. Please see https://www.forbes.com/best-in-state-wealth-advisors for more info.

The 2023 AdvisorHub 200 Fast Growing Advisors to Watch ranking is based on an algorithm of criteria, focused on three key areas: Quality of Practice, Year-Over-Year Growth, and Professionalism & Character. The rankings weigh the scores in Quality and Growth more heavily than other areas. Time period upon which the rating is based is from 1/1/2021 to 12/31/2022 and was released on 6/20/2023. Advisors considered have a minimum of seven years’ experience, a clean regulatory record with 2 or fewer complaints and no significant judgements, must have been with their current firm for at least two years and in good standing, and have at least $100 million in assets under management. Out of 1,246 total nominations received, 200 advisors received the award. This ranking is not based in any way on the individual’s abilities regarding providing investment advice or management. This ranking is not indicative of advisor’s future performance, is not an endorsement, and may not be representative of individual clients’ experience. Neither Raymond James nor any of its Financial Advisors or RIA firms pay a fee in exchange for this award/rating. Raymond James is not affiliated with AdvisorHub.

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