Vincent Virga Founder & Investment Adviser Representative of PFS Wealth Management Group Interviewed on Podcast Discussing Fee and Risk-Efficient Investment Planning

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Vincent Virga discusses highlights of fee and risk-efficient investment planning

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-vincent-virga-founder-of-pfs-wealth-management-group-discussing-fee-and-risk-efficient-investment-planning/

Vincent Virga, Founder and Investment Adviser Representative of PFS Wealth Management Group, discusses fee and risk efficient investment planning. Vincent shares his inspiring background as the son of immigrant parents from Sicily, who arrived in the U.S. with little more than determination and a strong work ethic. He reflects on the influence of his father, a respected contractor known for his integrity and skill, despite having only a fourth-grade education. Vincent emphasizes the importance of diverse perspectives in the financial industry and provides insights into effective investment strategies for clients.

In the realm of investment planning, understanding fee and risk efficiency is crucial for individuals aiming to secure their financial futures. Many investors remain unaware of the hidden costs and risks associated with their portfolios, which can significantly impact their long-term financial health.

One of the primary challenges investors face is the lack of transparency regarding fees. As Vincent Virga points out, many individuals do not realize the extent of the fees they incur, which are often not clearly visible on their statements. For instance, the net expense ratio of mutual funds, which covers the operational costs of the fund, is typically buried in lengthy prospectuses that most investors do not read. This lack of awareness can lead to a false sense of security regarding the performance of their investments.

Additionally, the turnover ratio of mutual funds represents another hidden cost that can erode returns. Every time a fund manager rebalances a portfolio, there are associated costs that investors may not be aware of, especially if these funds are held outside of qualified accounts, where taxes can further diminish returns. By educating clients about these hidden fees, financial advisors can help them understand the true cost of their investments and make more informed decisions.

In addition to fees, risk management is a critical component of investment planning. Many retirees, for example, may not fully grasp how market downturns can affect their portfolios, especially as they age and their ability to recover diminishes. Vincent emphasizes that time horizon is a significant risk factor; as individuals get older, they have less time to recover from market losses. Therefore, it is essential to structure assets in a way that supports consistent cash flow and aligns with the investor's risk tolerance.

The concept of risk efficiency involves not just minimizing risk but also ensuring that the level of risk taken is appropriate for the investor's financial goals and circumstances. This is where a tailored approach to investment planning becomes vital. Rather than relying on cookie-cutter solutions, financial advisors should work closely with clients to design a portfolio that reflects their unique needs and objectives.

Vincent's "S.M.A.R.T. Approach" to investment planning encapsulates the importance of fee and risk efficiency. By focusing on simplicity, measurability, accountability, realistic results, and teamwork, advisors can create a comprehensive financial plan that addresses both fees and risks. This structured approach allows clients to gain clarity about their financial situation and empowers them to make informed decisions.

Ultimately, the goal of fee and risk-efficient investment planning is to help individuals build a financial home that not only withstands market fluctuations but also provides sustainable income throughout retirement. By shedding light on hidden costs and aligning investment strategies with personal risk tolerance, financial advisors can significantly enhance their clients' chances of achieving long-term financial success.

Vincent emphasizes that many investors are unaware of the hidden fees that can significantly impact their investment returns. He points out that fees are not always transparent and can be buried in lengthy documents, such as the 300-page prospectus of mutual funds. Key fees to be aware of include:

* Net Expense Ratio: This fee covers the operational costs of the mutual fund and is not typically visible on monthly statements.

* Turnover Ratio: This indicates how frequently a fund manager buys and sells securities within the fund. Each transaction incurs costs, which can erode returns, especially if the fund is held outside of tax-advantaged accounts, leading to additional tax liabilities.

Vincent's approach involves educating clients about these fees and illustrating their impact through detailed reports, such as Morningstar reports. By shedding light on these hidden costs, clients can make more informed decisions about their investment strategies.

Vincent Shared: "In a world where anything is possible, make everything possible, and always be outstanding!"

Video: https://www.youtube.com/embed/dklNY0FPt04?rel=0&modestbranding=0&rel=0&showinfo=1&controls=1&autohide=2&showinfo=0?ecver=2

Video Link: https://www.youtube.com/embed/dklNY0FPt04

About Vincent Virga

Vincent has more than 35 years of experience in the financial services industry, growing and developing close relationships with mentors in all areas of financial management, financial planning, tax-efficient strategies, and market alternative investment concepts. Having worked with these individuals in wealth management and asset protection strategies, Vincent has been better able to serve his clients' needs in a world that demands unconventional approaches to building long-term financial security.

The published author of "The S.M.A.R.T. Approach: A 5 Step Process to Life, Leadership and Investing," Vincent, also hosted a weekly radio show, "The S.M.A.R.T. Approach to Retirement," on 970 AM The Answer in New York. He lectures extensively about non-conventional wealth accumulation and preservation approaches to other financial advisory professionals and the public through his energetic and entertaining informational workshops.

Learn more: http://www.pfswealthgroup.com/

Insurance products are offered through the insurance business PFS Wealth Management Group. PFS Wealth Management Group is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Advisor. AEWM does not offer insurance products. The insurance products offered by PFS Wealth Management Group are not subject to Investment Advisor requirements. Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier. This radio show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. PFS Wealth Management Group is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by PFS Wealth Management Group. A PR firm was paid to assist with media placement. 3154550- 07/25
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