Investment Analysis and Planning:
| John Rukosky of Rukosky & Associates |
We believe there is a critical difference
between our firm and others that
perform only financial planning: while
others will refer you to a tax advisor
after having designed a financial plan
for you, at Rukosky & Associates
Financial Group Inc. you are
consulting with a tax accountant, so
we know your plan will succeed.
between our firm and others that
perform only financial planning: while
others will refer you to a tax advisor
after having designed a financial plan
for you, at Rukosky & Associates
Financial Group Inc. you are
consulting with a tax accountant, so
we know your plan will succeed.
Contact us:
508 Driewood Court
Raleigh, NC 27609
Office: 919.781.9319
Mobile: 919.906.4234
Fax: 919.791.0990
Email: john@rafginc.com
Raleigh, NC 27609
Office: 919.781.9319
Mobile: 919.906.4234
Fax: 919.791.0990
Email: john@rafginc.com
Many people think of investing in one way: “What interest rate am I
getting?” That’s a good start and is definitely a part of the equation, but
there’s a great deal more to investing than just interest rates.
getting?” That’s a good start and is definitely a part of the equation, but
there’s a great deal more to investing than just interest rates.
There are a multitude of things to consider. Here are some major items:
The only way to answer these questions is to have an unbiased
individual review your investments or talk to you about starting an
investment. The unfortunate truth is, if anyone who reviews your
investments has the ability to replace them, the better portion of the time
they will find fault with your current strategy because they simply want
your investment dollars.
And maybe you’ve done this already….maybe years ago. Reviewing is a
good thing, especially considering recent tax law changes, your
increased age, inflation, and possibly a change in your objectives.
- How much time do I have to invest before a desired goal is met
(like education costs, retirement, etc.)?
- What is my investment temperament? Money-under-the-
mattress? Ultra-conservative? Middle-of-the-road? Speculative?
- Is the investment I’ve chosen taxable? Tax-deferred? Tax-free?
(This refers not only to the growth of your money, but how the
growth may impact other things like your tax bracket).
- What happens to my money when I get it out of the investment?
- What happens to it if I need Medicaid or if I die?
The only way to answer these questions is to have an unbiased
individual review your investments or talk to you about starting an
investment. The unfortunate truth is, if anyone who reviews your
investments has the ability to replace them, the better portion of the time
they will find fault with your current strategy because they simply want
your investment dollars.
And maybe you’ve done this already….maybe years ago. Reviewing is a
good thing, especially considering recent tax law changes, your
increased age, inflation, and possibly a change in your objectives.
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