Goal-Based Segmentation Model (GSM)

Our planning is based on a Goal-Based Segmentation ModelTM that matches your resources to your goals.  Your life goals and your aspirations change as you age.  The goals of our clients in their 30s can be very different from the goals of our clients in their 60s or 70s.  The way you think about your investments should also differ depending on how long you have till start of the goal.

WHAT ARE YOUR GOALS?

Accumulation Consolidation Distribution
When you are starting out in your life and in your career, your focus is on accumulation.  Typical goals in this phase include: You are moving ahead in your career.  Retirement planning is high on your list of goals.  Other goals in this phase include: This is the time in your life when you stop accumulating and start using your assets for income.  Goals can include:
- Purchasing your first home; saving for the downpayment
- Paying off student loans
- Dependent care
- Paying off mortgage
- Vacations
- Buying a vacation home
- Country club
- Charitable giving
- Spending time with grandchildren
- Vacations



Securities offered through registered representatives of Walnut Street Securities, Inc. (WSS), member FINRA/SIPC.  Investment advisory services offered through PFG Financial Advisors, a registered investment advisor.  PFG Financial Advisors is not a subsidiary or control affiliate of WSS.  Branch Office: 270 Walker Drive; State College, PA 16801.  Phone: 814-238-0544.