My mission is to provide you the necessary information and guidance by which decisions can be made to maximize your financial objectives.  I understand this is not a short term endeavor; and I am prepared to earn your trust and confidence as I develop a long, satisfying relationship.  I strongly believe the ultimate achievement of your goals requires a serious commitment from you and me, and I am prepared and qualified to make that commitment.

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Building Your Financial Future:

How Do I Help You Achieve Your Financial Objectives?  The process has four major steps:

Why Do I Use this Process?

Studies have shown that 90% of portfolio returns is directly attributable to the allocation strategy. 

Success is directly related to the existence of a written plan, reviewed regularly.  Therefore, this process is used to provide you the optimal opportunity to achieve your goals within the risk parameters you have specified.

1

A Personal Policy Statement is created.  This step identifies your goals, objectives, time horizon, liquidity requirements, rate of return expectations (or requirements), ability to assume risk, and other factors unique to you.  Since it is imperative that your vision and specific requirements are clearly understood, a great deal of time is spent on this step.  It is at this point that a formal, written financial plan is created for you.

2

Asset Allocation Parameters are developed.   Asset allocation is the mix of your assets among equities, bonds and cash.  The allocation strategy recommended to you will directly reflect the criteria established in your personal investment policy statement.

3

Specific investments, money managers and/or mutual funds are reviewed and selected.  The selection criteria at this stage will include risk-adjusted performance (the level of return in the context of risk taken), experience and stability of management, and consistency of management style.  Individual equities and bonds will be considered to complement the overall portfolio.  The degree to which any particular investment vehicle is used is based on both the ‘value added’ it offers in meeting your needs and any personal preferences you may have.

4

A systematic and objective evaluation process is implemented.  Portfolio reviews will be done to monitor relative performance.  Those investments that are no longer deemed appropriate, or those not consistent with the original selection criteria, will be removed and replaced.  Allocation decisions will be reviewed in conjunction with policy reassessment on an annual basis.

 

News & Resources:

Helpful Tips, Timely News & Other Useful Articles

Subscribe to Winsome's Weekly Market Update for more in-depth analysis

How to Help Make the Most of Your Social Security Benefits

When and how you choose to take your Social Security benefits can have a significant impact on the total benefits you receive over time. Yet most Americans don’t understand that there are a variety of benefit options and complex strategies to consider.

Get Your Social Security Statements Online

To get your Statements online, you must first create a mySocialSecurity Account.

To create an account, you must provide some personal information about yourself and answer questions that only you are likely to know.  Next you create a username and password that you will use to access your online account.  This process protects you and keeps your Social Security information private.  

New Users

You must be able to verify some information about yourself and:

  • have a valid email address

  • have a Social Security Number

  • have a U.S. mailing address and

  • be at least 18 years of age.

Instructions:

go to https://secure.ssa.gov/RIL/SiView.do

Choose: Create an Account

follow the instructions.

After you have created your account, choose:

Print/Save Your Full Statement

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Review Your Investment Objective

Periodically reviewing your investments to ensure they are on the right track is an important and meaningful measure in working toward your financial goals. Here is a simple but valuable way to get more from your investment strategy. When your next brokerage statement arrives, check your account profile to make sure that all the sections are accurate and up to date. This includes your investment objective, risk tolerance, and time horizon.

SOCIAL SECURITY BASICS - FOUR THINGS TO KNOW ABOUT SPOUSAL BENEFITS

Some of the most frequently asked questions from my clients have to do with Social Security benefits, and for good reason; understanding how Social Security works is complicated and any mistakes made can be costly.  Today we are going to discuss the basics of Spousal Benefits.

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Winsome's Team:

Learn More About Winsome & Her Team

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Winsome P. Carter, MBA

Vice President, Financial Advisor 

With over 20 years experience in the financial industry, Winsome earned her Bachelors in Business Administration (BBA) from the Bernard Baruch College at the City University of New York; and a Masters in Business Administration (MBA) from St. John Fisher College. 

In addition to her investment management responsibilities, Winsome is very active in the local community.  She currently serves on the Finance Committee of the Sojourner House at PathStone/Wilson Commencement Park, is a member of Rochester Global Connections and also serves on the Loan Committee of PathStone Enterprise Center.   

 

Winsome is a past Board member of:  

Rochester/Jamaica Organization 

Crestwood Children’s Center 

Children Awaiting Parents 

Cameron Community Ministries

 

Winsome currently resides in Pittsford with her husband, Robert. 

 

585-512-2305

Kim O'Brien

Financial

Services Associate

585-512-2349

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Financial

Planning 

Department

One of the many benefits of working with a Sage Rutty Advisor is the access you receive to our Financial Planning Department. 

Working in tandem with our advisors, Victoria Ferren, CFP®, and

Aaron Young, CFP®, AIF®  provide decades of experience in the Financial Planning realm.

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Sage Rutty and Company, Inc.   100 Corporate Woods, Suite 300   Rochester, New York 14623 
phone 585.232.3760   fax 1.866.902.0273   toll free 1.800.733.1133

© 2019 Sage Rutty. Sage Rutty is a trademark of Sage Rutty and Company, Inc. Members: FINRA and SIPC