I have had past experiences with lawyers, they were too busy to answer phone calls but quick to bill. Chris Nesi was different. He was amazing. He was kind, knowing our case very well, and really cared about our family. Chris Nesi was so wonderful, that i can not find the words to express what a great job he did for us.

Summer T, Child Custody client

This is my first experience with an attorney. I had seen Mr. Nesi in court representing another client. The representation was so great that I left the court room to get his business card, I called him the same day. Chris Nesi is currently representing me and I am thrilled. Chris Nesi is tremendous at what he does.

Nicholas S, Child Custody client

Mr. Nesi was able to achieve everything I asked of him. He was professional and an outstanding lawyer. I recommend Mr. Nesi to anyone in need of a divorce lawyer.

Lisa, Divorce client

I have been through many lawyers in my quest for custody of my children. Chris Nesi is the first lawyer that gave me his cell phone number and actually called me back on the weekends - regardless of the time. Usually, I would wait days for a lawyer to call me back. That's not all, when we got to court, Chris mopped the floor with my ex's attorney!!! I now have sole custody of my children and I am receiving more child support than I expected! I would recommend Chris Nesi to anyone who wants a lawyer who will fight for them and your kids!!! Thanks a million Chris.

Child Custody client

Do Your Investment Beliefs Match Your Time Horizon?

Do Your Investment Beliefs Match Your Time Horizon?



We all have different goals. This is especially true in the context of investing. Many of us are investing for retirement, some are saving for a home or higher education, and others are broadly striving to build wealth.
It is important to write down your investing goals, but it is equally as pressing to vocalize your financial aspirations. Making your goals known is a simple exercise in accountability. To ensure that you are kept on track, it is also necessary that you understand the time horizon associated with each of your goals.
If your goals are shorter-term (i.e., anywhere from tomorrow to about two years out), you should be in capital preservation mode. Occasionally a portion of the portfolio could include some relatively risky assets, but as a general rule you'd like to meet your upcoming obligation with minimal probability of failure. Examples are large, upcoming purchases such as a vehicle, home or tuition payment. To meet these payments you wouldn't want to bet the farm on a "hot" stock.
If your goals are leaning toward the intermediate-term, or between two and 15 years, there is room for you to take some risk in your portfolio. If retirement is near, risk should start to decline to ensure you've accumulated enough capital to live off. If the investor is motivated to make a large purchase within this timeframe, risk assets have the potential to compound returns and achieve goals in an accelerated fashion.
Possible loss of principal is an unfortunate circumstance that presents itself at this stage. Over intermediate-term periods, a full business cycle is likely to be experienced, which, on a positive note, should smooth out any bumps in the path to your goals. The key to success for intermediate-term investors is to avoid overreaction and herd behavior because only so many people can get out of a crowded exit at one time.
Moving out further into the future, nearly all investors have goals that are longer-term in nature, or greater than 15 years. Key to success for investors with longer-term goals is staying the course and not making emotional decisions with your portfolio's investments. One key tenet to remember for your longer-term investments is that good investment ideas are built on the promising prospects of the future and the solid fundamentals of today.
Aimlessly throwing money into an account or at an advisor will get you somewhere, but wouldn't you prefer to know where? That is why it is important to write down your investing goals. Equally as important, you must also match the proper time horizon to each goal. Attaching a long-term view with a short-term goal could lead to failure, and vice versa.
Failure can be avoided with proper preparation and organization. The probability of success can be increased with two steps; clearly state your financial goals and then talk to your advisor who can match appropriate investments to your stated time horizons.



Do Your Investment Beliefs Match Your Time Horizon?, February 13, 2015, LegalNews.com

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