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What Will You Retire To?

As an employee, we are recommended to participate in the company provided retirement plan. However, why should one participate and what are we really saving for? Check out the video for a perspective of visualizing retirement and gain clarity to "Why Save?". 

https://vimeo.com/776347306/fb129bd087

For Educational Purposes Only. This material is intended for informational purposes only and should not be construed as legal or tax advice and is not intended to replace the advice of a qualified attorney, tax advisor, or plan provider.  

Securities and Investment Advisory: Services offered through M Holdings Securities, Inc., A Registered Broker/Dealer and Investment Advisor, member FINRA/SIPC. Rose Street Advisors is independently owned and operated. Rose Street Advisors is a member firm of M Financial Group. #5252174.1

Scott Higgins

AIF®, CFP®, CPFA® | Financial Advisor

Since 2012 at Rose Street, Scott has been responsible for helping the firm’s individual wealth management clients with income strategies for retirement and consulting with employers with their employee retirement plans. In free time, he enjoys golf, biking, skiing, cooking, and traveling. Fun fact, Scott has a hobby of filling growlers with coins!

Interested in more?

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Kalamazoo, MI, July 18, 2022 — Rose Street Advisors is pleased to announce its recent affiliation with RPAG, one of the largest independent practice management firms nationally. Rose Street Advisors will utilize RPAG’s leading-edge retirement plan consulting tools and resources to help grow their practice and deliver enhanced value to plan sponsor customers. “The decision to partner with RPAG stems from our desire to be the best consultants in our local market,” comments Scott Higgins, Financial Advisor of Rose Street Advisors. “We recognize RPAG’s technology, tools and training as one of the highest caliber system of its kind, driving results through proven processes utilized by hundreds of financial professionals all across the country.” Members of RPAG access a robust technology-driven platform of proprietary tools and services to support qualified and non-qualified plans. Flagship solutions include its proprietary Scorecard System™ for fund ranking, Provider Analysis™ for RFP/Fee benchmarking, Fiduciary Fitness Program™ for ERISA plan compliance and ongoing training and the Fiduciary Briefcase™ for the sponsor’s virtual file storage. “Our holistic approach to retirement plan consulting allows financial professionals to effectively and efficiently serve the needs of plan sponsors with exceptional precision, care and consistency,” states Nick Della Vedova, President of RPAG. “We are pleased to support serious retirement plan financial professionals like Rose Street Advisors.”

About Rose Street Advisors

At Rose Street Advisors, our team of experts has been dedicated to helping people plan for a bright financial future for more than 70 years. We work closely with our clients - business owners, affluent families, and high-income professionals - to achieve their holistic financial goals. By providing employee benefits, HR consulting, life insurance, investment management and retirement plans under one roof, we ensure our clients are well-taken care of both today and for generations to come.

About RPAG

RPAG™ is an exclusive alliance of independent retirement financial professionals and institutions inspired to create successful outcomes by protecting plan fiduciaries and engaging plan participants. RPAG supports thousands of financial professionals across the U.S., who collectively serve over 80,000 plan sponsors, $800+ billion in assets under influence, and more than 7 million plan participants. Learn more at rpag.com. Securities and Investment Advisory Services Offered Through M Holdings Securities, Inc., a Registered Broker/Dealer and Investment Advisor. Member FINRA/SIPC. Rose Street Advisors is independently owned and operated. #4842556.1 Scott Higgins

Scott Higgins

AIF ® CFP ® CPFA ® | FINANCIAL ADVISOR

Since 2012 at Rose Street, Scott has been responsible for helping the firm’s individual wealth management clients with income strategies for retirement and consulting with employers with their employee retirement plans. In free time, he enjoys golf, biking, skiing, cooking, and traveling. Fun fact, Scott has a hobby of filling growlers with coins!

Interested in more?

Let's Talk Proactive HR
Recently overheard a 401k participant mention their account was fully diversified since they are invested in the S&P 500 Index and don’t feel they need other investments. While the S&P 500 accounts for 70%-80% of the market value of the U.S. equities market, did you know the top 10 biggest stocks make up 29.5% of the index’s market value as of March 31, 2022. Therefore, 10 stocks represent approximately 30% of the index value and 490 stock represent the remaining 70% of the index value. The S&P 500 index top 10 stocks include:

1. Apple Inc. (AAPL)

2. Microsoft Corp (MSFT)

3. Amazon.com, Inc (AMZN)

4. Alphabet Inc. Class A (GOOGL)

5. Alphabet Inc. Class C (GOOG)

6. Tesla, Inc (TSLA)

7. Berkshire Hathaway Inc. (BRK.B)

8. Johnson & Johnson (JNJ)

9. UnitedHealth Group (UNH)

10. NVIDIA Corporation (NVDA)

Source: https://www.slickcharts.com/sp500 This information is for general and educational purposes and not intended as legal, tax, accounting, securities, or investment advice, nor an opinion regarding the appropriateness of any investment, nor a solicitation of any type. Information obtained from third-party sources are believed to be reliable but not guaranteed. Investors cannot invest directly in indexes.  The performance of any index is not indicative of the performance of any investment and does not take into account the effects of inflation and the fees and expenses associated with investing. #4823893.2 Securities and Investment Advisory Services Offered Through M Holdings Securities, Inc., a Registered Broker/Dealer and Investment Advisor. Member FINRA/SIPC. Rose Street Advisors is independently owned and operated.   Scott Higgins

Scott Higgins

AIF ® CFP ® CPFA ® | FINANCIAL ADVISOR

Since 2012 at Rose Street, Scott has been responsible for helping the firm’s individual wealth management clients with income strategies for retirement and consulting with employers with their employee retirement plans. In free time, he enjoys golf, biking, skiing, cooking, and traveling. Fun fact, Scott has a hobby of filling growlers with coins!

Interested in more?

Let's Talk Proactive HR

Let Us (Re)Introduce Ourselves

To the many friends of Rose Street Advisors, As we embrace this new year, we are more committed than ever to living out our core values and our mantra "What We Do and How We Do It Matters". Enjoy this glimpse into the people and the heart of Rose Street Advisors from the team themselves. With humble appreciation for our clients and our people, Rob Hunt Signature Rob Hunt

Rob Hunt

LIC, CLU | PRINCIPAL & CHIEF EXECUTIVE OFFICER

As Principal and CEO, Rob spearheads the vision, drive for growth, and pursuit of excellence at Rose Street Advisors. Rob loves being outdoors with his wife Erin and kids. He has slalom skied for the past 35 years, never missing a season. He also enjoys spending time at the lake and on the golf course.

Interested in more?

Let's Talk Proactive HR