Don't Buy The Hype Once Upon a Goal A New Way to Look at Your Bucket List Surprise! You’ve Got Money!
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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.

Process

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!

Helpful Content

What to Look for in Personal Finance Apps

What to Look for in Personal Finance Apps

An increasing number have been developed to help individuals with their personal finances.

The Fed and How It Got That Way

The Fed and How It Got That Way

Here is a quick history of the Federal Reserve and an overview of what it does.

Please Leave Home Without It

Please Leave Home Without It

Concerns over identity theft continue to grow, especially with data breaches at major companies and financial institutions.

 

Understanding the Basics of Medigap Policies

Important as it is, Medicare does not cover the full range of health-care expenses you may experience in your golden years.

The ABC’s of Auto Insurance

What kind of auto insurance should you have? Do you know?

Should You Borrow from Your 401(k)?

Does it make sense to borrow from my 401(k) to pay off debt or to make a major purchase?

Social Security: Maximizing Benefits

There are other ways to maximize Social Security benefits, in addition to waiting to claim them.

Best Vacations: By Car, By Ship, By Foot, Once in a Lifetime

Four vacation destinations you might never have thought of.

Retiree Health Care Coverage Overseas

Retirees traveling abroad need to know that their health insurance travels with them.

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Interested in a Fuel Efficient Car?

Estimate how many months it may take to recover the out-of-pocket costs when buying a more efficient vehicle.

What Is My Life Expectancy?

Estimate how many years you may need retirement assets or how long to provide income to a surviving spouse or children.

Bi-Weekly Payments

This calculator estimates the savings from paying a mortgage bi-weekly instead of monthly.

Self-Employed Retirement Plans

Estimate the maximum contribution amount for a Self-Employed 401(k), SIMPLE IRA, or SEP.

Saving for College

This calculator can help you estimate how much you should be saving for college.

What Is My Risk Tolerance?

This questionnaire will help determine your tolerance for investment risk.

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Retirement Plan Distributions

There are a number of ways to withdraw money from a qualified retirement plan.

Managing Your Lifestyle

Using smart management to get more of what you want and free up assets to invest.

Investment Strategies for Retirement

Investment tools and strategies that can enable you to pursue your retirement goals.

Principles of Preserving Wealth

How federal estate taxes work, plus estate management documents and tactics.

Your Cash Flow Statement

A presentation about managing money: using it, saving it, and even getting credit.

5 Smart Investing Principles

Principles that can help create a portfolio designed to pursue investment goals.

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Estate Management 101

A will may be only one of the documents you need—and one factor to consider—when it comes to managing your estate

Charitable Giving: Smart from the Heart

Do you have causes that you want to support with donations? Here are three tips.

Events on Wall Street

Can successful investors predict changes in the markets? Some can but others miss the market’s signals.

Keeping Up with the Joneses

Lifestyle inflation can be the enemy of wealth building. What could happen if you invested instead of buying more stuff?

A Fruitful Retirement: Social Security Benefit

Taking your Social Security benefits at the right time may help maximize your benefit.

Choosing a Mortgage

Selecting a mortgage isn't an easy process. Get a better understanding of how professionals make the right decisions.

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