Investment Advisor for Veterans

Get Your Financial Freedom Standing in Attention With Our Investment Advisor for Veterans

Retirement is a significant life transition. Everyone, whether they are self-employed or have a regular paycheck, wants to feel safe about their future once they stop working.

At age 65, the average lifespan was estimated to be 18.8 more years. Thus, people who retire at the customary age will need sufficient resources to cover their living costs for at least another two decades.

If you are a retiree, it is vital to continue growing your wealth for your future needs.

Making investment selections is essential if you intend to use your pension pool to collect income flexibly (pension drawdown) or withdraw several lump payments.

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But with our investment advisors, we can help you set up your finances and increase the amount of money you have left to spend. Then you can invest. Woohoo!

You don’t think so? Then why not continue the conversation?

Click here and learn how Pearl Lemon Invest can assist you.

The Risks of Investing Your Pension

There are several considerations when determining where to put your pension money and how to use it.

Your Attitude Towards Risks and Losses

The ups and downs of your savings may be traced back to the amount of risk you are willing to accept with your investments. Knowing how much risk you are ready to accept is crucial since this will affect the amount of money you may take and how long it will stay.

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People who are 65 years old today may typically expect to live for another 20 years. Although many people will outlive this prediction, it is still realistic.

To put it another way, you’ll need to ensure that you’ll be financially stable for at least the next several years, if not much farther into the future. Statistically, one in ten individuals will live to be 100 years old.


Inflation eats away at the purchasing power of your money over time. Any rate of inflation, no matter how little, will erode the purchasing power of your currency.

As the world continues to evolve, many changes in the economy will occur, and this will affect your money. This will also decrease your purchasing power, which means less money value for that period.

How to Choose an Investment Advisor

We have compiled a detailed checklist to assist you in selecting the most suitable investment advisor for your needs.

Validate their credentials.

Verify that any potential financial adviser has up-to-date qualifications and has not been penalised by any regulatory body.

If you’re looking for a financial advisor who deals in insurance products like annuities, your best bet is to contact the state’s insurance department.

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Learn About The Costs Involved

Find out if your adviser is getting paid an hourly rate, a portion of your assets, or a commission. If charged annually, fees should be no more than 1 per cent. (Note that this is in addition to the fees charged by mutual funds.)

Be wary of claims of achieving specific results.

Several advisors brag about their success rates. Keep in mind that there is no guarantee of success in the future, regardless of prior performance.

Obtain References

Inquire about hearing from other clients. You should consider leaving if the advisor is unwilling or unable to offer you any.

Start Keeping Records

Get your financial advisor to state in writing why they think a particular investment is the best option for you.

Numerous financial advisors also produce what is called an “investment policy statement,” which lays out in great detail how they intend to achieve your goals.

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Verify That Everyone Is On the Same Page

Your financial advisor should be able to explain any investment to you in a language you can comprehend.

Lastly, we reiterate one of the cardinal investment rules: if it sounds too good to be true, it probably is.

The Best Investments for You

Never forget that “high return” and low risk are often oxymorons in investing.

In most cases, taking on additional danger in the forms of repayment risk, volatility, or liquidity risk is the only way to increase profits.

In any case, you may lessen the blow by hitting the books. Use the expertise of others, such as financial planners or investment advisers.

These are the investments that Pearl Lemon Invest, a company staffed by financial professionals, suggests for your retirement fund:

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Bond Ladders

Since long-term bond prices are more sensitive to rising rates and inflation than short-term issues, a bond ladder is one strategy to keep a bond portfolio theoretically safer and more flexible.

As the name implies, bond laddering entails purchasing bonds of varying maturities. When a bond matures, you can cash it in or use the proceeds toward purchasing other bonds.

To diversify the risk of your bond ladder, you may choose to use bonds from many issuers. Retirees should carefully consider how much of their funds they will need to access quickly for daily necessities and how much they may put in less liquid assets.

Municipal Bonds

To pensioners, the tax-free income from municipal bonds is worth the lower rates than other investments.

Any money you make from investing in municipal bonds is free from federal income tax and, in most cases, state income tax as well if you buy bonds issued in your home state.

When it comes to minimising retirement income taxes, municipal bonds are a safer bet than corporate bonds because of their lower default rates.

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REITs, or real estate investment trusts, are companies that engage in real estate by purchasing mortgages or taking outright ownership stakes in buildings.

Since REITs are listed on stock exchanges, they provide investors with a more liquid investment option than traditional real estate.

Ninety per cent of a REIT’s taxable income must be paid out to shareholders as dividends, and the return on these payouts is often more significant than that on stock dividends.

Due to their large yields and flexibility in the use of capital, investment vehicles such as these are highly desirable for retirees looking to diversify their income; this investment option may provide a solid return on their money.

For retirees, REITs can help mitigate the effects of inflation.

Property values tend to increase in tandem with inflation. In turn, this results in more money coming in via rent increases.

Dividend-Paying Stocks

Dividend-paying stocks may be a haven in the otherwise volatile equity market. The dividends from these assets are typically higher than those from more conservative ones, such as certificates of deposit.

There are dangers involved with buying stocks, but dividend payers provide an opportunity to profit independent of the stock price. These companies can help you stay ahead of inflation thanks to their price growth potential and dividends.

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Preferred Stocks

Preferred stock is a cross between bonds and stocks; it offers safety and liquidity similar to bonds but with a higher dividend yield and less price volatility.

Preferred shares are an excellent option for retirees because of the significant dividends they may provide as “one of the best types of investments for generating passive income in retirement.


To invest in an annuity, you enter into a contract with a financial institution, typically an insurance company. Different types exist, but they all promise a return at a certain pace.

Investing in a fixed annuity ensures the safety of one’s capital, a specified interest rate, and a steady stream of payments for the remainder of one’s life. The costs and commissions associated with purchasing an annuity can add up quickly.

An annuity can significantly alter your tax burden, so it’s essential to take the time to understand the product and any associated tax implications properly.

Reach out to us if you’re interested in learning more.

It’s The Start of Something New

Although you might think it’s time to rest, we believe that it’s only just the beginning for you.

This is the time when you can do the things you love. The things you’re interested in knowing. It can be baking, travelling, gardening, cooking, and many more. 

And to continue that journey, you need financial freedom that can last.

We’re here to help you with that. So, why not book a call now to start?

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Our investment advisory service considers veterans’ unique financial goals and concerns, such as pension plans and life insurance policies, and any benefits they may be eligible for. 

We also understand veterans may have specific financial goals, such as saving for a college education for their children or paying for long-term care for a disabled family member, so we tailor our advice accordingly.

We provide a range of investment strategies for veterans, including conservative, moderate and aggressive strategies. We consider their risk tolerance, investment goals, time horizon and any benefits they may be eligible for. We also ensure the investment strategy aligns with their overall financial plan.

Veterans may be eligible for certain tax benefits regarding investments, such as tax-free withdrawals if they meet certain qualifications and tax-free interest on certain veterans’ benefits bonds. Our investment advisors know these benefits and can help veterans optimise their investments accordingly.