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

San Diego, CA – January 4, 2013 – Steve Sexton, President of Sexton Advisory Group, 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 Steve Sexton. “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 Steve. “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.”

Steve Sexton 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.

Do you know the questions to ask to make sure you are basing financial decisions on all the facts and not emotions, misconceptions, sales pressure or opinions? Identify all of the facts necessary to make a sound financial decision before you make that decision by visiting www.sextonadvisorygroup.com to learn more about Steve Sexton and his unique process to make sure your financial decisions are made in your best interest.

About Steve Sexton:

Steve Sexton has over 15 years of experience in the financial services industry and holds multiple licenses and designations. His company, Sexton Advisory Group has grown steadily over the last eight years and has seven offices serving Riverside and San Diego Counties.

Sexton is a well-known media expert and has been asked to appear on a variety of Southern California media over the past three years to share his expertise. Steve hosts “Winning In Life Radio with Steve Sexton on 1170am KCBQ and Ch6 CW Daily Living Show” Money Minute” segment in San Diego, Ca.

Sexton also works with many charities. He has sponsored special events for various charities, such as A Salute to the Military, benefitting Pat Boone’s Ryan’s Reach charity, events for Hospice of the Valleys and many more.