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Lex Zaharoff

Personal Finance, Retirement, Investing
“With over 33 years of experience in the financial industry, Lex Zaharoff is an experienced fee-only advisor specializing in helping corporate executives make the right financial decisions.”

HTG Investment Advisors Inc.

Job Title:

Senior Wealth Advisor


Lex Zaharoff specializes in helping corporate executives make the right financial decisions as they go through job transitions - a busy time, often filled with uncertainty and emotions for both executives and their spouses.

Lex's specialization is based on 33 years of experience analyzing the complexity of corporate-derived wealth as well as his personal experience as a corporate executive who has gone through similar transitions. He is a guide and sounding-board for his clients, helping them stay the course through volatile times – a role which often feels as if he is their investment therapist.

Since job and career transitions raise financial issues that are complex and interdependent, clients benefit from the resources of his whole firm. Lex and his team are twelve professionals with complementary skill, working in a friendly, collaborative environment and drawing from their firm’s 22 years of experience helping more than 200 clients with issues such as these.

Lex is also fortunate to co-teach the MBA course, Wealth Management and Private Banking at NYU's Stern School of Business. For Lex, it is particularly gratifying to share thirty years of lessons learned to help his students better advise their clients.


BSE, Engineering, Princeton University
MBA, Harvard Business School

Fee Structure:


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December 2017
    Alternative Investments, Investing
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August 2017
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April 2017
    Asset Allocation, Financial Planning, Investing
April 2017
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    Retirement, Social Security, Investing, 401(k)
Should we sell our investments and move our money into cash accounts?
100% of people found this answer helpful

The stock market has returned to what has historically been a normal level of volatility which leads to the important issue you raise as to how much exposure to stock markets do you need to take in order to maintain your spending needs and, equally important, how much are you comfortable taking.  The latter is important since what you don't want is to find that you don't have the emotional tolerance to stay the course now that we have returned to a more normal level of volatility.  Since your plans are to draw $30,000 from a $800,000 portfolio, which is about 3.8%, you could have some of the portfolio invested in the stock market.  Since you are only 70, you and or your spouse are likely to be drawing from this portfolio for at least a decade and quite possibly more than 20 years.  That is a long time horizon during which inflation will erode the value of a low volatile portfolio of only high quality fixed income funds. Some stock market exposure would make sense to maintain given your time horison, but each of us has a different capacity and tolerance for volatility. Any shift should be gradual and one should always try to avoid the temptation of trying to time when to enter or exit stock markets.

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    Financial Planning, Investing, Starting Out
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April 2017