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

Dayton, OH – January 4, 2013 – Robert Russell, President of Russell & Company, 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 Robert Russell. “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 Robert. “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.”

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

1. 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.
2. 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.
3. 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 this topic, or to learn how Robert Russell can help, please visit www.theirapros.com.

About Robert Russell:

In only nine short years, Robert Russell has amassed an impressive list of clients and credentials. He often contributes to CNBC, Fox Business, The Wall Street Journal, US News and World Report, and he also co-hosts “Retirement Rescue Radio” on 1290 AM and 95.7 FM WHIO.

Russell is an Investment Advisor Representative (IAR), 2nd generation wealth advisor and member of the Ed Slott Master Elite IRA Advisor Group. He was acknowledged as one of the top “40 Professionals under 40” by the Dayton Business Journal and was honored as a Five Star Wealth Manager – Best in Client Satisfaction by Cincinnati magazine.

Russell is the author of best selling, “Retirement Held Hostage,” in which he outlines several of the strategies that have brought him to the top of his field.

Securities offered through Kalos Capital, Inc.,  Member FINRA, SIPC. Investment Advisory Services offered through Kalos Management, Inc., 3780 Mansell Rd. Suite 150, Alpharetta, GA  30022,  (678) 356-1100.  Russell & Company is not an affiliate or subsidiary of Kalos Capital, Inc. or Kalos Management, Inc.

Neither Kalos Capital, Inc. nor Kalos Management, Inc make any endorsements or opinions about the coursework required to become a member of Ed Slott’s Master Elite IRA Advisor Group and as such cannot guarantee the accuracy or completeness within.

A policy change may incur fees and costs, and may also require a medical examination.

This scenario is for illustrative purposes only and does not represent and actual client.  Results may vary.