Dollars and Diagrams

Does Your Portfolio Align With Your Dreams?


Consider the family that has a dream to be financially independent in 10 years.

Through careful precision, their financial planner determined that their magic number was $1.5 million. Currently, they have $800k saved and are committed to saving $36k/year or $3k/month.

How conservative versus how aggressive should you be?

First, let us calculate the rate of return needed to go from $800k to $1.5m with a $36k annual contribution. The result turns out to be 3.1%

  • Is the idea of achieving your dreams to do so with the least possible risk? Maybe…
  • Is the idea of achieving your dreams worth taking on more risk?

Potentially taking on more risk could keep you from achieving this dream of financial independence in 10 years. Your risk exposure could provide negative returns and you might have to save more or delay this gratification. However, taking on additional risks could unlock additional dreams. The only certainty is that your financial plan will need to be changed and regularly monitored.


Information in this material is for general information only and not intended as investment, tax, or legal advice. Please consult the appropriate professionals for specific information regarding your individual situation prior to making any financial decision.

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graphic 10 actions to take

10 Actions To Take 10 Years Before Retirement

In this paper we discuss 10 actions you should take to develop and deploy a successful long-term wealth plan. It will help you make decisions about your financial journey today and well into your retirement chapter.

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