I started with Wings Financial five years ago to help people reach their financial goals and Wings has been a great company to help me do that successfully. One of our core beliefs is to put the member first and value each individual relationship. I think that’s a big reason why this company is growing so fast.
As a newer person on the Wings Financial Advisor team, I’m excited to do even more of what I love: help people with anything related to finance. The sooner you get started, the better, because time is the most valuable asset. Investing and strategizing at a young age can help tremendously when it comes to financial freedom. Also, there are many financial strategies out there (and I am always eager to learn more), but really it’s about you and your individual needs in the end. Let’s find it together.
I have SIE, Series 6, Series 7, Series 63, and Series 65 securities licenses. Outside of work, I keep active with hiking, exploring new restaurants, and spending time with family and friends. I’m also a big sports fan.
When it comes to paying down debt, I believe it does depend on what type of debt you are looking into. I believe that all unsecured debt (higher interest rate) should be paid off prior to investing. When it comes to lower interest rate debt (2-4%), such as a mortgage, investing instead may be more beneficial. Everybody’s situation is different, so this could change with certain circumstances.
There is no set-in-stone answer on this question. Everybody’s needs and risk tolerance is different. This is something that also may change with certain life events that happen. This is where a financial advisor can be very beneficial. We can help clients create a strategy to make sure they are at their own acceptable risk tolerance.
I believe having the right mixture of both is key to receiving a desired outcome toward retirement age. It’s important to change the percentage in each product throughout a person’s lifetime as well. Younger individuals can handle more risk with having a larger percentage in stock/equity products. As the individual ages, bonds become a more conservative approach to preserve capital.