rapidfire


Family Matters


Discover helpful re- sources for military spouses and children.


For military spouses, federal and contractor employment can be attractive because it tends to exist in loca- tions where service- members are stationed, among other reasons.


L


Maintenance Retirement Living


ike your automobile, your in- vestment plan requires regular maintenance and repair. Anyone who seriously has neglected automobile maintenance knows eventually something bad happens — usually at the worst time. As much as we rely on our automobiles,


how much more do we depend on our in- vestment plans? So at least once a year:  confirm your objectives, risk tolerance, and assumptions haven’t changed. Do you need more income? Are your assumptions about inflation and investment returns ad- equate or do they need adjustment?  evaluate how the markets have affect- ed your plan. What did you earn, and did


IMAGES: ABOVE, DAVID GUIDERA; RIGHT, SHUTTERSTOCK


that meet your expectations compared to the market? Are your objectives realistic?  identify any unusual additions or


withdrawals from your investment capital. What did you pay in fees — both advisory fees and expenses charged by mutual funds, annuities, and partnerships? Can you cut fees without reducing expected returns?  recalibrate and rebalance your asset al- location to restore the right mix. Skip car maintenance, and you could be- come dependent on public transportation. Skip investment plan maintenance, and you might need public assistance. — Capt. Kent M. Grealish, USN (Ret), CFP®, AIF®


Get practical strate-


gies and tips to land federal sector expe- rience with InGear Career’s The Military Spouse’s Guide to Federal and Contrac- tor Employment. The resource explains the types of government service positions avail- able, clarifies common misconceptions about military spouse prefer- ence, and discusses the value of federal contractor experience. Find the guide at www .ingearcareer.org.


MA RCH 2014 MI L I TA RY OFFICER 29


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