Investing When, Where and Why

With the start of the new year, and the imInvesting (1)minent “tax season” upon us, financial planning is often on the for front of our minds.  Individually, many are thinking of where they are at and what types of investments they may want to make for their futures.  On a larger scale business owners are doing the same thing, evaluating how the previous years turned out and what new ways they can invest, to improve and grow.  No matter the type or size of investing one is looking to get into, it is important to do your research, set clear goals and find trusted resources/partners to assist you with your goals.

Exploring long-term investing we interviewed Michelle Onoda, MBA at Estates Financial Services, for her thoughts on real estate investing.  Michelle specializes in financial planning for both businesses and individuals, and admits that there are benefits as well as clear draw backs to investing in real estate.  Her statements are primarily in residential real estate, however, PLP believes many of the concepts can be applied to commercial real estate.

Many small businesses use the SBA 504 Loan Program to invest in real estate for the long-term.  Businesses use low down payments and fixed interest rates to provide stable grounding for their business operations with potential equity growth and appreciation.  When considering whether to invest in real estate or not the pros can be found in the “hope of potential appreciation in the property; equity build up, tax benefits, and the ability to leverage their money, along with pride of ownership,” Michelle Onoda.

Investing in real estate can be uncomfortable, there are financial commitments with initial down payments, renovation and ongoing maintenance expenses.  However, the long-term return can be significant, especially if planned appropriately.  Here are three statements you may want to consider before spending:

1) Figure out what type of investing you’re looking into doing, long-term or short-term.

2) Determine which investments best match your needs depending on the time you have available to invest.

3) Find the appropriate partners to work with to get you where you want to go.


To reach Michelle Onoda please contact her at 303.948.1102 or by email at

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