COVID-19 Status: TracyCo is fully operational and open for business. 

Investments

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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)

Investors should consider the investment objectives, risks and charges, and expenses of mutual funds carefully before investing. The prospectus, which contains this and other information about the funds, and can be obtained directly from the company or from your financial professional. The prospectus should be read carefully before investing or sending money.

A diversified portfolio does not assure a profit or protect against loss in a declining market.

Asset allocation, which is driven by complex mathematical models, cannot eliminate the risk of fluctuating prices and uncertain returns. Asset allocation should not be confused with the much simpler concept of diversification.


Distributions from traditional IRAs and employer sponsored retirement plans are taxed as ordinary income and, if taken prior to reaching age 59½, may be subject to an additional 10% IRS tax penalty. Converting from a traditional IRA to a Roth IRA is a taxable event. A Roth IRA offers tax free withdrawals on taxable contributions. To qualify for the tax-free and penalty-free withdrawal of earnings, a Roth IRA must be in place for at least five tax years, and the distribution must take place after age 59½ or due to death, disability, or a first time home purchase (up to a $10,000 lifetime maximum). Depending on state law, Roth IRA distributions may be subject to state taxes.

Investors should consider the investment objectives, risks, charges and expenses associated with municipal fund securities before investing. This information is found in the issuer’s official statement and should be read carefully before investing.  

Investors should also consider whether the investor’s or beneficiary’s home state offers any state tax or other benefits available only from that state's 529 Plan. Any state-based benefit should be one of many appropriately weighted factors in making an investment decision. The investor should consult their financial or tax advisor before investing in any state's 529 Plan.

All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful.