Eagle Strategies Investing Essentials

Expertise and Advanced Planning Support

I offer financial planning and Investment advisory services through Eagle Strategies, LLC, A Registered Investment Adviser, and a variety of life insurance, long term care insurance and annuities through our affiliation with New York Life and other insurance companies; as well as investment products that can help you meet your financial goals.

The Value of Human Capital

Like most savvy investors, you probably turn to a balance sheet of financial assets such as stocks, bonds, mutual funds, real estate holdings, and retirement savings accounts to calculate your financial net worth. This traditional definition of wealth, however, is incomplete as it overlooks what may be your largest asset – how you convert your "human capital" into your Return on Life.

Human capital is the value of all your expected future income, including your Social Security benefits and pension income. By considering your current income, your savings rate, and your work or retirement situation we help you to determine how large an asset your human capital is for you and its effect on your overall asset allocation.



Your human capital should drive investment selection and asset allocation decisions in pre-retirement and retirement. In pre-retirement, you incorporate insurance into your asset allocation to help mitigate risk and enhance the economic value of your portfolio. In retirement, you might consider incorporating guaranteed lifetime income* to hedge against the risk of outliving your retirement savings.