Financial Advisor and Author Teresa Bear discusses three straightforward strategies to help families grow towards a stronger financial future.

Phoenix, AZ – January 25, 2013 – Teresa Bear, President of JC Grason of Mesa, LLC, recently discussed how time impacts your retirement money, and offers ways to help build a strong retirement plan.

“I find that time, math and money rarely move in the same direction,” remarked Teresa Bear. “It is quite strange because the whole idea of compounding interest and capital appreciation are based on a rate of return compounded over time. In fact, the math for appreciation is based on four variables: Present Value, Future Value, Rate of Return and Time.”

“Logically, time, money and math should be aligned and making retirees (and soon–to-be retirees) money – right?”, asked Teresa. “Well, Maybe. If you take risk with your money values can go up — but they can also go down. Market historians and verified data offer long term rates of return that are very attractive but when the economy gets rough, money can (and has been) lost, which is not helping folks and their families grow towards a stronger financial future.”

Teresa Bear offered three simple strategies that can help those who are saving and planning for retirement stay on a responsible path:

• Diversify between many different types of assets – Avoid biases such as, “I only invest in mutual funds, or just stocks and bonds,” and do not build in a bias towards products you may not understand, such as: “I don’t believe in life insurance.” Allow yourself to be open to all possibilities – they all may have a lot of merit in a well-designed plan.
• Do not try to time anything. Instead build a great plan based on sound retirement planning principals and then stick with it. Allow time to work for you and do not allow your emotions to work against you and your money.
• Take the time to review. Keep track of where you are, what you have and where you want your retirement planning to go. That is the ultimate key to utilizing time and achieving planning success.

For more information on how Teresa Bear can help, please visit www.teresabear.com.

About Teresa Bear:

Teresa Bear is the President of JC Grason of Mesa, LLC and specializes in retirement planning and asset preservation for retirees and their loved ones. She has been a Certified Public Accountant practicing in the area of taxation for more than 25 years and is also a Certified Financial Planner ™.  She is also an Investment Advisor Representative with Brookstone Capital Management LLC, a SEC Registered Investment Advisor.

Teresa is a graduate of Graceland University in Iowa and has an MBA from the University of Kansas. She is also the author of the book She Retired Happily Ever After. Teresa has been featured in the USA Today and Woman’s Day Magazine.  Teresa Bear is not an attorney and does not give legal advice.  Material discussed is meant for general informational purposes only and it is not to be construed as legal advice and should not be considered a substitute for legal advice from a competent attorney.