How should I invest?

Financial Planning
Written By Jay Kadlec

Start With Your Risk Capacity

Your ideal investment mix depends on:
✅ Time horizon (longer = more growth focus)
✅ Asset level (more wealth = more diversification options)
✅ Sleep factor (how much volatility you can tolerate)

The Growth-to-Safety Shift Strategy (one of many strategies we utilize)

Early Career 80-90% stocks as time recovers short-term losses
Mid-Career 60-70% stocks, this balances growth & protection
Near Retirement 30-50% stocks, this preserves capital while growing

3 Rules of Thumb

There are exceptions. Every plan is different, but in general:

  1. Diversify Early – Spread across US/international stocks, bonds, annuities, real assets, etc.

  2. Get More Sophisticated as You Grow – Over $500k? Add alternatives to diversify further

  3. Automate Adjustments – Target-date funds or annual rebalancing

Where Advisors Help Most

  • Prevent over-conservatism (cash losing to inflation)

  • Avoid diworsification (too many overlapping funds)

  • Optimize tax placement (which assets belong in which accounts)

Your perfect portfolio evolves with your life – plan accordingly and contact a Chalk Money Financial Planner today!

Advisory Services are offered through Chalk Money, LLC, a DBA of Forefront Advisor Network. The foregoing content reflects the opinions of Jay Kadlec and is subject to change at any time without notice. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that the statements, opinions, or forecasts provided herein will prove to be correct. All information or ideas provided should be discussed in detail with an advisor, accountant, or legal counsel before implementation. Securities investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful.

Jay Kadlec

Hi, I’m Jay Kadlec, the owner of Chalk Money, LLC. I work with you to find the critical financial risks that proper financial, estate, and insurance planning could avoid, lessen, or at least bring you awareness of what could substantially impact your life. My philosophy is straightforward: put the client’s needs first, deliver exceptional experiences, and provide tailored solutions that truly fit.

First and foremost, I am a teacher. I use real-talk, plain-speak rather than industry jargon so that you have a plan you can understand. Your story and where you’re trying to go matter most to me.

Your goals change over time, so I “plan in chalk.” I adapt and fight for your ideal outcome, ensuring that you come first (aka being your fiduciary). I’ve served in this capacity since 2018 and will continue until at least 2055. I will likely be there for you, your children, and your grandchildren—with Americans living longer, I may even be a resource to your great-grandchildren!

My background has given me valuable experience in understanding how various financial tools can work together. I believe in creating non-cookie-cutter strategies that are efficient and designed to stand the test of time. Clients trust me for my transparency, professional integrity, and personalized approach. I am an Investment Advisor Representative (CRD# 7047900), licensed insurance producer (NPN# 18005247) for Accident, Health, Life, and Long-Term Care Insurance, Mortgage Loan Officer (NMLS# 2343444), and serve as a Tennessee Notary.

When I’m not working, I enjoy spending time in the mountains of Knoxville, Tennessee, with my family, playing board games or pickleball with friends, or brainstorming new ways to make my services even more impactful for my clients.

I also aim to inject some fun along the way…so be warned, some puns may make you cringe.

Let’s connect! Feel free to reach out or learn more about my work at www.chalkmoney.com.

Advisory Services are offered through Chalk Money, LLC, a DBA of Forefront Advisor Network.

https://www.jaykadlec.com
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A Dollar a Day