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.
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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!
Where Will Your Retirement Money Come From?
Retirement income may come from a variety of sources. Here's an overview of the six main sources.
Is a Variable Annuity Right for Me?
Pundits go on and on about how “terrible” or “wonderful” annuities are, but they never talk about whether annuities are right
Should You Ever Retire?
A growing number of Americans are pushing back the age at which they plan to retire. Or deciding not to retire at all.
Have you ever wondered how your credit score compares to the rest of the country? Take a look and see.
Gaining a better understanding of municipal bonds makes more sense than ever.
You can plan ahead to protect yourself and your family against the financial consequences of deteriorating health.
When considering life insurance, it's important to understand your options.
It's important to understand how inflation is reported and how it can affect investments.
Marriage changes everything, including your insurance needs.
This calculator can help you estimate how much you may need to save for retirement.
This calculator can help you estimate how much you should be saving for college.
This calculator helps estimate your federal estate tax liability.
This calculator compares a hypothetical fixed annuity with an account where the interest is taxed each year.
Estimate the total cost in today's dollars of various mortgage alternatives.
Enter various payment options and determine how long it may take to pay off a credit card.
There are some key concepts to understand when investing for retirement
Principles that can help create a portfolio designed to pursue investment goals.
A presentation about managing money: using it, saving it, and even getting credit.
The chances of needing long-term care, its cost, and strategies for covering that cost.
A number of questions and concerns need to be addressed to help you better prepare for retirement living.
How federal estate taxes work, plus estate management documents and tactics.
Making the most of surprises is a great reason to work with us.
There are a few things to consider when buying or leasing your next vehicle.
The decision whether to buy or rent a home may have long-term implications.
Do you have causes that you want to support with donations? Here are three tips.
Do you know how long it may take for your investments to double in value? The Rule of 72 is a quick way to figure it out.
There’s an alarming difference between perception and reality for current and future retirees.