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Our Investment Strategy

There is nothing more important than planning for your family’s future.  

To succeed in meeting your financial goals, you have to make the right investments.  But the right investments are determined by your specific needs.  

Our strategy at TracyCo is to focus on the big picture and guide you towards your long-term goals.  We always work hard to understand your situation and objectives.  And then we develop a relationship that allows us to keep you on track.

Comprehensive Retirement Planning

Planning for retirement is a challenge that we help people with every day.  We take a comprehensive approach to retirement planning.  

We work with our clients through each stage of the process: 

  1. Getting started
  2. Accumulation
  3. Growing retirement assets in peak earning years
  4. The critical stage of the last few years of work
  5. Distribution planning in retirement
  6. Passing assets on to future generations

Diversified Portfolios

Our investment strategy at TracyCo is always long-term.  

We place our clients in diversified portfolios of mutual funds that are suitable for their risk tolerance and objectives.  We do not chase returns or utilize speculative investments.

This strategy has served our clients well for many years.

The primary vehicle for individual retirement savings is the IRA or Individual Retirement Account.  We utilize both traditional and Roth IRA accounts for our clients depending on their needs.  

In some cases we also facilitate conversion of traditional assets to Roth assets.  We can help you determine the best solution for your needs.  

After tax investment accounts are utilized for many reasons by our clients.  We offer a wide range of investment options within these accounts.  

Our services include:

  • Asset allocation
  • Tax planning
  • Dividend reinvestment strategies
  • Income generation

Saving for the cost of college is an important issue for many parents.  529 College Savings Plans provide a tax advantaged way for parents and other family members to help younger generations achieve their dreams.  

We can help you develop and implement a plan to utilize a 529 account and provide a great opportunity for your children.  

Our college savings services are comprehensive and include: 

  • Contribution planning
  • Asset allocation
  • Allocation glide path
  • Distribution planning

Financial Planning

Financial planning should always be a collaboration between the client and the advisor.  Our number one priority is to understand our clients, their financial situation, and their goals and objectives.

Advisors at TracyCo have access to resources in all areas of our business such as employee benefits, life insurance, and Medicare – allowing us to offer truly comprehensive financial planning. 

"As a CERTIFIED FINANCIAL PLANNERTM professional, I am held to a fiduciary standard of care and will always act in your best interest."

-Shawn Helman, CFP(R)