RETIREMENT PLANNING With Rob Ryan ZRYAN WEALTH MANAGEMENT Curtng Yor Cae e a WILL STICKING TO THIS RULE LEAVE YOU STUCK? One of the traditional rules of retirement investment calls for an asset allocation of 60 percent of the portfolio in stocks and 40 percent in bonds. However, since 2008, many have called the "60/40 rule"into question. As the current thinking goes, while bonds may provide protection against a stock-market downturn, they do not provide much in the way of portfolio performance. Some financial experts now wonder whether the 60/40 rule, which was once the mainstay of a moderate- risk retirement portfolio, remains a prudent investing strategy for middle-aged investors. At a time when the yield on a 10-year Treasury note hovers around 2 percent, many argue that older investors break the 60/40 rule and gradually increase their stock holdings. At Ryan Wealth Management, we help pre- retirees and retirees who want comprehensive wealth management plans strategically designed to help sustain monthly cash flow, offer long- term growth, and provide financial security. Everyone has different goals, so it's important to have a unique plan that works for you and your financial situation, both now and in the future. Call Ryan Wealth Management today to schedule a consultation. When interest rates rise, the market value of bonds goes down. To contact Rob Ryan: (530) 671-2100 retire@ryanwealth.com | www.ryanwealth.com Go to my website www.ryanwealth.com and request a Second Òpinion analysis report! And help answer the question: "Will Í outlive my money?" Rob Ryan is a Reglatered Representative offering securities and advisory services throngh Reyal Alliance Associates, Inc., a registered broker-dealer and registered investment adviser, Member FINRA. SIPC. Additional advisory services, insurancer and Estate Planning offered through Ryan Wealth Management are independent of Royal Alliance. Principal of Ryan Weulth Management, Incr. located at 463 Centary Park Drive ie Yubu City. CA Insarance Lk. rOcos9s9 RETIREMENT PLANNING With Rob Ryan ZRYAN WEALTH MANAGEMENT Curtng Yor Cae e a WILL STICKING TO THIS RULE LEAVE YOU STUCK? One of the traditional rules of retirement investment calls for an asset allocation of 60 percent of the portfolio in stocks and 40 percent in bonds. However, since 2008, many have called the "60/40 rule"into question. As the current thinking goes, while bonds may provide protection against a stock-market downturn, they do not provide much in the way of portfolio performance. Some financial experts now wonder whether the 60/40 rule, which was once the mainstay of a moderate- risk retirement portfolio, remains a prudent investing strategy for middle-aged investors. At a time when the yield on a 10-year Treasury note hovers around 2 percent, many argue that older investors break the 60/40 rule and gradually increase their stock holdings. At Ryan Wealth Management, we help pre- retirees and retirees who want comprehensive wealth management plans strategically designed to help sustain monthly cash flow, offer long- term growth, and provide financial security. Everyone has different goals, so it's important to have a unique plan that works for you and your financial situation, both now and in the future. Call Ryan Wealth Management today to schedule a consultation. When interest rates rise, the market value of bonds goes down. To contact Rob Ryan: (530) 671-2100 retire@ryanwealth.com | www.ryanwealth.com Go to my website www.ryanwealth.com and request a Second Òpinion analysis report! And help answer the question: "Will Í outlive my money?" Rob Ryan is a Reglatered Representative offering securities and advisory services throngh Reyal Alliance Associates, Inc., a registered broker-dealer and registered investment adviser, Member FINRA. SIPC. Additional advisory services, insurancer and Estate Planning offered through Ryan Wealth Management are independent of Royal Alliance. Principal of Ryan Weulth Management, Incr. located at 463 Centary Park Drive ie Yubu City. CA Insarance Lk. rOcos9s9