We’ve all seen the popular Capital One credit card
commercials that always end with the same question: “What’s in your
wallet?” In the same way, I like to ask
an equally important question: “What’s in your retirement plan?”
When considering this question, I’m reminded of a
conversation I recently had with a couple who came to our office. They asked if they could simply retain us and
pay us by the hour, as opposed to having us manage their investments. They went on to explain that the reason they didn’t
want us to manage their investments was because they wanted to maintain the ability to pull their money
out at any given time.