Our Approach

"We work to keep what you have worked so hard to achieve."

We're Here To Help

At Financial Resources Group, we operate as independent financial advisors. This independence allows us to provide advice based on our clients’ individual financial situations, goals, and risk tolerance. We are not obligated to a specific company. Fortunately, this means we are free to choose the products and services that we think are best for you, rather than what any “company” requires us to sell you.

The Rule of 100

Financial Resources Group believes asset allocation plays a critical role in your retirement portfolio. We believe investors should focus more on avoiding loss of principal in retirement. You see, they do not have the time to replace money lost if there is a market downturn.

For many years, a widely used rule of thumb for financial professionals and investors to simplify asset allocation was the rule of 100. What is the Rule of 100? It states that an investor’s risk tolerance should be based on their age. Therefore, as you get older, the percentage of your money kept safe should be your age. For example, a 70-year-old should have 70% of their investments in accounts where they’ll stay protected. The other 30%, meanwhile, can be kept in more “risky” investments. This rule is a helpful starting point for asset allocations.

WHAT IS YOUR RISK TOLERANCE?

I am 60 years old. 100 - (minus) 60 = 40. I have a 40% Risk Tolerance:

Risk Tolerance 40%

Schedule a Consultation

Questions about the Rule of 100? Please meet with us for a no-obligation consultation. We will review your current situation and come up with a customized plan for your financial needs.

You deserve a prosperous, stress-free retirement, which is why we aim to help you reach your goals.

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Advisory services are offered as Financial Resources Group, which operates through Gibbs Wealth Management (GWM), an SEC-registered investment adviser. Insurance products and services are offered through FRG Insurance Solutions, Inc. which is independent of GWM.

The content on this webpage is intended solely for informational purposes and is subject to the regulatory requirements applicable to GWM. Other pages on this website may contain content that is not subject to the same regulatory standards and should not be construed as part of GWM’s regulatory communications or offerings.