Frequently Asked Questions
Should I Save For Retirement Outside Of mY Retirement Plan?
While your retirement plan is a key component in saving for retirement on a tax-deferred basis, we often advise clients to invest after-tax dollars outside their retirement plans for additional liquidity, cash flow, and access to capital.
Once I retire, should I start spending my retirement dollars or my after-tax dollars first?
It depends on each person’s situation, but we often explore the possibility of spending a portion of after-tax dollars until reaching the minimum required distribution age for retirement accounts.
Is it better to invest in Mutual Funds, ETFs or Individual stocks and bonds?
It depends. Mutual Funds and Exchange Traded Funds (ETFs) often provide the benefit of investment diversification across a broader range than a single stock. However, obtaining that diversification can add an additional layer of investment management fees.
At DSG Capital Advisors, when constructing stock portfolios, we often identify 30-50 stocks across several sectors to provide diversification without adding an additional layer of investment management fees.
How often does DSG Capital Advisors rebalance portfolios? Quarterly? Annually?
DSG Capital Advisors continuously reviews account holdings and adjusts as market conditions warrant. This means that we manage individual portfolio investments, as well as account allocation on an ongoing basis. We don’t simply wait to rebalance portfolios at the end of a month or a quarter.
Does DSG Capital Advisors provide financial, estate, and income tax planning assistance?
Given our team’s legal and tax educational backgrounds and professional experience, we routinely work with our clients, in coordination with their professional advisors, to provide financial, estate and income tax planning assistance.
Can DSG Capital Advisors assist with making decisions on how much of my excess compensation to put into my HRA or RRA?
We are familiar with the larger airline’s retirement plan offerings and how excess retirement savings can spill over into health savings accounts.
Does DSG Capital Advisors charge commissions? How do you get paid?
DSG Capital Advisors is a Registered Investment Advisor (RIA) registered with the Securities Exchange Commission (SEC). We do not charge commissions. Instead, we have a transparent fee schedule based on the assets that we manage. This structure aligns our interests with our clients as we make more money as client assets grow. If planning services are desired, we charge a flat dollar amount so there are no surprises.
If I already have an account at Schwab or Fidelity, do I need to get new account numbers if I decide to work with DSG Capital Advisors?
Generally, the answer is you do not need to obtain new account numbers. We can integrate directly with the custodians to manage your investments inside your current accounts -- your account number and on-line access remain the same. If it is determined that you need to set up new accounts at either Schwab or Fidelity, we can help with this also.
DSG Capital Advisors, LLC (“DSG”) is a registered investment advisor. Advisory services are only offered to clients or prospective clients where DSG and its representatives are properly licensed or exempt from licensure.
The views expressed in this commentary are subject to change based on market and other conditions. These documents may contain certain statements that may be deemed forward looking statements. Please note that any such statements are not guarantees of any future performance and actual results or developments may differ materially from those projected. Any projections, market outlooks, or estimates are based upon certain assumptions and should not be construed as indicative of actual events that will occur.
The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. It should not be considered a solicitation to buy or an offer to sell a security. It does not take into account any investor's particular investment objectives, strategies, tax status or investment horizon. You should consult your attorney or tax advisor.