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Business, Financial & Legal Matters Supplement in all Bee Publications Inc.

October 25 & 26, 2017

Saperston Asset Management Inc.

seeks to help manage investments, both large and small

by ETHAN POWERS

October 25, 2017

Clarence Editor

Navigating the tumultuous waters of financial planning can often be a daunting endeavor. Luckily, there are professionals available to help put wind in your sails. Saperston Asset

Management Inc., located at 172 Lake St. in Hamburg, have the resources and expertise to provide you with portfolio and investment options that make sense for your family’s long-term

financial plan.

At a time in which financial markets seem more precarious than ever, those with money invested in the market want to ensure that it’s being closely monitored and protected. Saperston

helps to make your investments understood and provides clients with a complete overview of how those investments are performing. Yet even those with investment options available to

them are often unaware that they are well-positioned to invest due to a lack of education and financial literacy. For beginners who are looking to start a financial plan for themselves,

Kristina Saperston of Saperston Asset Management encourages fiscal responsibility with a plan in mind. “Every little bit counts, and when they see the power of compounding there is no

persuasion needed. We recommend new investors ‘pay yourself first’ by participating in a company retirement plan and having funds invested directly from his or her paycheck, or having

an automatic draw each month from a bank account to an investment account,” she said. “This takes the hassle out of it, and the money isn’t missed.”

Saperston Asset Management offers customized financial, investment advisory, and planning services.

For the individual or organization, Saperston is ready to discuss investment objectives, risk level and time horizon to construct a personalized portfolio. This open communication allows

for the ability to easily check and review investment results, as well as changes in investment objectives, so that those accounts can be modified accordingly.

A common misconception among those looking to invest is the notion that financial planning can only effect change toward the end of a career. “We do see a lot of investors turning to

active management right before, or at retirement, because they need help determining income needs and a sustainable investment plan. Managing investments throughout retirement can

be more difficult because the client is usually trying to maintain a constant stream of income,” Saperston said. “However, advisers can be beneficial throughout your entire investing life.

It is similar to investing time and money in your physical health. It is not ideal to wait until you are sick to see a doctor.

”Understanding what type of accounts you have along with their tax implications can go a long way in determining what types of investments will be right for you. Expectation, risk tolerance

and investment objectives are prominent variables that should be factored into every financial decision. Saperston is there to help in this regard with free portfolio reviews and second

opinions.

“You could be with an adviser for 20 years or more so it is important to do your homework and find the right fit. It is not just about portfolios and fees; it is the start of a relationship,”

Saperston said. “In an age of automated customer service and robotic advisers, Saperston prides itself on accessibility, customization and communication. We concentrate on building

a strong foundation from the start by understanding expectations and working towards a common goal.