It is important to save and put aside for your retirement, however if you are already semi-retired or retired there are lots of ways to retire smartly and healthy that will benefit both you and your families.

Health and wellness refers to your life, not just numbers on a chart. Balance and moderation are the keys to maintaining your physical, emotional, spiritual, and financial health. Do something small every day to reach your goals and you’ll naturally start to gravitate towards healthy activities and choices on a routine basis.


After managing and being involved with retirement living for over 20 years, soon Wave Worldwide will be introducing Smart Living for the retired. These new innovative products will improve the quality of life, prevent major health hazards and will keep you connected with your loved ones at all times. To put it simply, we are in the business of helping people live well. That’s because our focus goes well beyond retirement accounts. It’s our passion to empower people to add more years to their lives and more life to their years. That means a healthy account balance and a healthy heart to match. COMING SOON- FOLLOW US AND BE AMONG THE FIRST TO FIND OUT




Real Estate Investments


Investing in real estate is one of the oldest forms of investing, having been around since the early days of human civilization. Predating modern stock markets, real estate is one of the five basic asset classes that every investor should seriously consider adding to his or her portfolio for the unique cash flow, liquidity, profitability, Capital Growth, tax, and diversification benefits it offers. When you think about buying real estate, the first thing that probably comes to mind is your home. But physical property can play a part in a portfolio too, especially as a hedge against the stock market. Real estate can enhance the risk and return profile of an investor’s portfolio, offering competitive risk-adjusted returns. Even looking back in the subprime mortgage crisis, private market commercial real estate returned an average of 8.4% over the 10-year period from 2000 to 2010, based on data from the National Council of Real Estate Investment Fiduciaries (NCREIF). And usually, the real estate market is one of low volatility especially compared to equities and bonds.


Real estate is also attractive when compared with more traditional sources of income return. This asset class typically trades at a yield premium to U.S. Treasuries and is especially attractive in an environment where Treasury rates are low. Investing in real estate gives an investor one tool that is not available to stock market investors: LEVERAGE.


Simply stated, when investing in real estate, the goal is to put money to work today and allow it to increase so that you have more money in the future. The profit, or “return”, you make on your real estate investments must be enough to cover the risk you take, taxes you pay, and the costs of owning the real estate investment such as utilities, regular maintenance, and insurance. Real estate investing really can be as conceptually simple as playing monopoly when you understand the basic factors of the investment, economics, and risk.
When you are ready to start the process of real estate investing, you’ll want to decide which of the real estate investment types is most appropriate for you and we are here to help you understand you options.




Food for Thought
Investment Portfolio- How & Why?


It’s a given that all of us would love to double our money tomorrow with no risk, but unfortunately, that happens less than being struck by lightning. Bottom line, everyone wants growth in their portfolio while minimizing its risk, and that is what various asset allocations are historically all about – the ability to get growth while minimizing risk over time.
In short, asset allocation is simply the mix of stocks, bonds and cash in a portfolio. According to a famous study by Gary P. Brinson, L. Randolph Hood and Gilbert L. Beebower and their paper “Determinants of Portfolio Performance” published in 1986, more than 90% of a portfolio’s performance can be attributed to its asset allocation. The asset allocation of a portfolio is thus its key determinant of performance, risk and volatility over time.
Investment diversification is one of the basic building blocks of a solid portfolio. Diversification is the fancy name for the advice: Don’t put all of your eggs in one basket. This is the basic principle behind asset allocation.
A basic, diversified portfolio might include several investment categories, while your allocation to each of these broad categories should be based upon your investment goals, your tolerance for risk, and your time horizon for needing the use of the money. Therefore, your asset allocation should be an outgrowth of your financial plan
Creating a blended portfolio to specifically fit one’s financial goals and risk tolerance would be considered a portfolio diversification strategy. Multi-asset funds, which invest across a range of asset classes and geographic locations, take the onerous task of managing a diverse portfolio off the average time-poor and knowledge-poor investor.
Wave Worldwide has over 30 years of experience in creating prosperous and stable investment portfolios for her clients. Contact us to learn more about our current opportunities at