Financial Advisor Brian Raleigh discusses three straightforward strategies to help families grow towards a stronger financial future.

Cary, NC – January 18, 2013 – Brian Raleigh, Founder of TruWealth Strategies in Cary, North Carolina, 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 Brian Raleigh. “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 Brian. “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.”

Brian Raleigh 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 Brian Raleigh can help, please visit www.truwealth.us

About Brian Raleigh:

Brian began as an advisor in November of 1995 and spent more than eight years where he often ranked in the top 1 percent in his company. In 2004, he became an independent advisor and formed his own firm, TruWealth Strategies in Cary, NC.

In addition to keeping his clients satisfied, Brian’s proud to be finishing up a book. Keeping with his sports background, the book is titled, “Rounding Third and Heading for Home.” It’s due out this summer and discusses mistakes people can’t afford to make when they retire. He also reveals strategies on how to lower taxes, manage market risks, and create a consistent income stream in retirement that never runs out!

Brian obtained his LUTCF in 1999, with a focus on Estate and Business Planning. He is also a member of the Better Business Bureau and National Ethics Bureau. Brian is an active member in the Raleigh Association of Insurance and Financial Advisors (RAIFA), where he served on the board for four years, and is a member of NAIFA the National Association of Insurance and Financial Advisors since 1997.