LeBlanc to offer investment tips for day-to-day financial planning

With the volatility of today’s stock market posing the challenging question of risk versus return, guaranteed investments are becoming more popular.

Ryan LeBlanc, owner of LeBlanc Wealth Management, said more people are looking into these options, which is why he’s offering a free seminar open to the public called “The Myths and Truths of Guaranteed Investments.”

There are about four to six guaranteed investment products to consider, but LeBlanc said making the best choice requires learning about each product and that’s what will be available at the seminar.

“The purpose of the seminar is to go over advantages and disadvantages, and what to know before you put your money into them,” he said.

Attractive investments are harder to find, bringing people back to guaranteed investments like certificates of deposit (CDs) and U.S. government bonds. But LeBlanc said investors should learn the right questions to ask to ensure those investments fit their desired outcome, as well as comfort zone on risk.

“There are some safeguards with who guarantees the money,” he said of questions that should be asked before making this move, such as, “What’s the underlying company’s well being?”

LeBlanc said he will outline the pros and cons of each of these investments, including CDs, bonds, fixed annuities, fixed index annuity, variable annuities and structured products.

With these funds, it’s important to know which of these investments are regulated by the U.S Securities and Exchange Commission (SEC), which is the federal agency that regulates the securities industry. Not all of them are, which increases an investor’s risk.

LeBlanc also said he’s excited about announcing his financial advice column, “Financial Tidbits,” that will debut on Jan. 21 in the St. Charles Herald-Guide.

“It’s about giving back to the community and offering some free tidbits from college planning for children to estate planning for yourself to long-term care needs, as well as Medicare and Social Security,” he said. “It’s all about education.”

LeBlanc said his columns will feature topics for day-to-day financial planning.

For example, the average inheritance is spent within 18 months. But he said they advise, that as clients get older, they bring their beneficiaries into their planning meetings “so we can advise them on what to do with that money.”“Education is the key,” LeBlanc said of the daily financial opportunities that may be missed without sound planning.“The column is not meant for the ultra rich,” he said. “We will talk about things for people earning $50,000 to $100,000 a year.”

St. Charles Parish ranks among the top parishes in income per capita in Louisiana, LeBlanc said.

“We feel our clients in St. Charles Parish are great savers and, more importantly they do not have a lot of debt.  They like to pay things off and stay debt free. That’s half the battle. They’re not trying to keep up with the Joneses. The public schools keep the big corporations here. We love St. Charles Parish.”

The seminar will be held at 7 p.m. Jan. 21 at Grand Ridge Golf Club 500 Willowdale Blvd., Luling. To attend requires an RSVP by emailing Samantha at samantha.fedrick@lpl.com.


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