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    July 31, 2020
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RETIREMENT PLANNING With Rob Ryan ZRYAN WEALTH MANAGEMENT Ca er Co ON TARGET? "Target funds"are mutual funds that are formulated to take some of the guesswork out of investing for retirement by providing a diversified mix of equities and fixed income. Designed to be long-term investments for people with specific retirement dates in mind, the funds'asset allocation mix grows more conservative over time. While this strategy largely amounts to a set-it-and-forget-it proposition for future retirees, they probably are not able to factor in an individual investor's risk tolerance. For instance, target funds may strive to bring investors in for a soft landing by moving an ever-greater percentage of their portfolio into investments such as bonds. However, if bond yields rise sharply in the coming years, prices will fall. Every investment has some risk. Target funds are one tool in your arsenal to help minimize retirement risks as much as possible. Even with good habits in place, saving for retirement can be stressful and there are some risks that are beyond your control. The advisors at Ryan Wealth Management can help provide personalized financial strategies that take into account all aspects of your financial life and offer guidance, clarity of thought, and expertise to help you gain confidence in a more financially independent future. To learn more about our services, please check out our website RyanWealth.com. A fund's "glide path" is a graphical depiction of the fund's transition from equities to fixed-income investments over time. To contact Rob Ryan: (530) 671-2100 retire@ryanwealth.com | www.ryanwealth.com Go to my website www.ryanwealth.com and request a Second Opinion analysis report! And help answer the question: "Will Í outlive my money?" Rob Ryan isa Reglatered Representative offering securities and advisory services threugh Reyal Alliance Associates, Inc. a registered broker dealer and registered investment advisor, Member FINRA. SIPC. Additional advisory services, insurancer and Estate Planning offered through Ryan Wealth Management are independent of Royal Alliance. Principal of Ryan Wealth Management, Inc. located at 463 Centary Park Drive ie Yubu City. CA Insurance L. rOCOs959 RETIREMENT PLANNING With Rob Ryan ZRYAN WEALTH MANAGEMENT Ca er Co ON TARGET? "Target funds"are mutual funds that are formulated to take some of the guesswork out of investing for retirement by providing a diversified mix of equities and fixed income. Designed to be long-term investments for people with specific retirement dates in mind, the funds'asset allocation mix grows more conservative over time. While this strategy largely amounts to a set-it-and-forget-it proposition for future retirees, they probably are not able to factor in an individual investor's risk tolerance. For instance, target funds may strive to bring investors in for a soft landing by moving an ever-greater percentage of their portfolio into investments such as bonds. However, if bond yields rise sharply in the coming years, prices will fall. Every investment has some risk. Target funds are one tool in your arsenal to help minimize retirement risks as much as possible. Even with good habits in place, saving for retirement can be stressful and there are some risks that are beyond your control. The advisors at Ryan Wealth Management can help provide personalized financial strategies that take into account all aspects of your financial life and offer guidance, clarity of thought, and expertise to help you gain confidence in a more financially independent future. To learn more about our services, please check out our website RyanWealth.com. A fund's "glide path" is a graphical depiction of the fund's transition from equities to fixed-income investments over time. To contact Rob Ryan: (530) 671-2100 retire@ryanwealth.com | www.ryanwealth.com Go to my website www.ryanwealth.com and request a Second Opinion analysis report! And help answer the question: "Will Í outlive my money?" Rob Ryan isa Reglatered Representative offering securities and advisory services threugh Reyal Alliance Associates, Inc. a registered broker dealer and registered investment advisor, Member FINRA. SIPC. Additional advisory services, insurancer and Estate Planning offered through Ryan Wealth Management are independent of Royal Alliance. Principal of Ryan Wealth Management, Inc. located at 463 Centary Park Drive ie Yubu City. CA Insurance L. rOCOs959