With investment discipline, the upside can take care of itself. I seek to protect your downside.
Who we serve
We provide face-to-face personalized service. We primarily serve retired clients, or those nearing retirement.
Our first priority is helping you work towards overall financial success. We want to learn more about your situation, identify your dreams and goals, understand your tolerance for risk, and your desired lifestyle. We seek to form a team of professional managers that are among the best in their category and manage them.
The Biggest Fear!
As I've often said on my Fox News Radio program, the S&P hit a high in 2000, and it took until 2013 to recover and sustain new moves higher. If you were withdrawing retirement income, you might never have recovered. Much of the industry recommends "buy and hold", but to a retired investor, that can be dangerous advice. Long-term is relative.
For decades, the "4% rule" suggested a sustainable withdrawal rate could be 4% of your portfolio. Many now think that may be too high with historically low bond yields and an stock market that has been virtually flat for a year and a half and overdue for a correction. Twice since 2000, the S&P had dropped more than 50%. For many, if they had a major drop in their portfolio before or in retirement, they might have to take a corresponding drop in their retirement income stream and have a reduced lifestyle. In 2009, some investors had to downsize, relocate, eliminate their second home, and make other adjustments. That doesn't have to happen!
No strategy assures success or completely protects against loss.
Free Weekly Economic Update
Use the form on the left of the page to request my free Weekly Economic Update. It's an entertaining and informative one-page update that's well received. I'm surprised how many people come to me at events and tell me that they enjoy it. Opt out at any time.
Fill it out now!
Facebook and LinkedIn
Also, if you're on Facebook or LinkedIn, visit my page where I make frequent updates. Click on the either logo at the left of this page under "Contact Info"
We've Got Your Back
Let's grab a cup of coffee and talk about your retirement future.
We've got your back!
The Real Cost of a Vacation Home
What if instead of buying that vacation home, you invested the money?
5 Things That Seasoned Travelers Are Doing (That You're Not)
A collection of tips from professional travelers.
Test Your Life Insurance Knowledge
How much do you know about one of the most important tools you have to help protect your and your family’s financial future?
E&O insurance is specifically designed to protect you, or your company, from the risk of a client’s dissatisfaction.
Universal life insurance is permanent insurance with a flexible premium. Here's how it works.
The item most homeowners forget on their home improvement project checklist is insurance.
Having your identity stolen may result in financial loss plus the cost of trying to restore your good name.
To choose a plan, it’s important to ask yourself four key questions.
At what point can you call a personal vehicle commercial?
Use this calculator to estimate your net worth by adding up your assets and subtracting your liabilities.
Determine if you are eligible to contribute to a traditional or Roth IRA.
This calculator helps estimate your federal estate tax liability.
This calculator can help determine whether it makes sense to refinance your mortgage.
Estimate how much income may be needed at retirement to maintain your standard of living.
Estimate the total cost in today's dollars of various mortgage alternatives.
There are a number of ways to withdraw money from a qualified retirement plan.
There are some smart strategies that may help you pursue your investment objectives
Investment tools and strategies that can enable you to pursue your retirement goals.
Using smart management to get more of what you want and free up assets to invest.
The chances of needing long-term care, its cost, and strategies for covering that cost.
How federal estate taxes work, plus estate management documents and tactics.
If your family relies on your income, it’s critical to know what their needs would be in the event of your death.
Ever lost your wallet? Frustrating. Here’s what you can do to keep yourself safe.
How does your ideal retirement differ from reality, and what can we do to better align the two?
What does your home really cost?
Retiring early sounds like a dream come true, but it’s important to take a look at the cold, hard facts.
Smart investors take the time to separate emotion from fact.