Blog Posts

Portage County Farmers Market

Finish Line or Starting Point?

By LouAnn Schulfer,  AWMA®, AIF®
Accredited Wealth Management Advisor®
Accredited Investment Fiduciary  

Congratulations to all the recent graduates, including our beloved daughter-in-law, Julia, who completed her Bachelor of Science degree from UW-LaCrosse in just three years flat! Graduation is both a finishing line and a starting point, with a very bright future ahead!  Visualize a race track:  there is a start/finish line where either the green flag or the checkered flag are waived. After the finish of one race, there is a new marathon to be started on another day. The same can be said for retirement and positioning investments.

In retirement planning, we extensively discuss investment positioning. Sometimes prospective retirees see the finish line but not the starting point; they want to sell all of their growth investments and position their retirement accounts too conservatively. We highlight the years and even decades ahead in the bright new retirement future. It may be a different relay segment in the “race” of life, but we still need gas in the tank and a strategy to conquer what lies ahead. A new interval often necessitates a revised strategy:  what got you to the finish line of graduation is likely to be different than what you’ll need to equip yourself with at the starting point of a new career. Likewise, the investments that helped you to cross the finish line of your working years are likely to be different than what may be prudent to get you through retirement.

Just remember, when approaching the finish line, there is also a new starting point.

LouAnn Schulfer is co-owner of Schulfer & Associates, LLC Wealth Management and can be reached at (715) 343-9600 or
Securities and advisory services offered through LPL Financial, a Registered Investment Advisor.  Member FINRA/SIPC.
Content in this material is for general information only and not intended to provide specific advise or recommendations for any individual.