Cash Flow

One of the first questions our retirement planners encounter with new clients is “what if I need more cash.”

Whether you meet with our financial advisors in Houston, Texas, McLean, Virginia, or any of the states in between, they will probably tell you that questions about cash flow come up more than any other.

Of course, our financial planners understand the concern. Americans are living longer, often making it necessary to plan for 20-30 years of life beyond retirement. A lot can happen in that amount of time, so anxiety about planning that far ahead is natural, especially when considering financial strategies that, while good investments, may tie up funds.

When discussing cash flow with clients, a number of relevant factors may be considered:

  • Itemized income
  • Current and projected expenses
  • Real estate investments
  • Positive vs. Negative gearing (if you have real estate investments)
  • Paying insurance premiums
  • How will interest rate changes affect you?
  • Optimal use of surplus income
  • Optimal annual draw down
  • Stocks and Bonds
  • Dividends
  • Stock market cash strategies
  • Charitable giving
  • Federal, state and local tax code
  • Relocation plans?
  • Health care costs
  • Foreseeable life events (marriage, divorce, children, etc)
  • Social security
  • Medicare

Many clients, most of whom have worked their entire lives, are still coming to terms with the idea of ceasing to work and earn. The good news is that there are plenty of options to consider. The bad news is that most people only begin to learn about them during the planning process.

Fortunately, your team of Bogart Wealth financial advisors has a great deal of knowledge and experience. They do this every day, and are eager to listen, understand their clients’ goals and aspirations, and assemble a range of strategic options and potential financial instruments that allow for fluctuations in cash flow, emergency funds, low-cost liquidations and other means to provide cash when it is needed.

Contact Us for a Free Cash Flow Management Consultation

Please Note: The scope of any financial planning and consulting services to be provided depends upon the specific requests and needs of the client.  Bogart does not serve as an attorney, accountant, or insurance agent. Bogart does not prepare legal documents or tax returns, nor does it sell insurance products. If the client desires, one of Bogart’s representatives, in their separate individual capacities, can be engaged to be provide insurance sales/services as described on Bogart’s written disclosure Brochure (a copy of which is available upon request), per the terms and conditions of a separate engagement and compensation.

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