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!
Jane Bond: Infiltrating the Market
Agent Jane Bond is on the case, cracking the code on bonds.
9 Facts About Retirement
Regardless of how you approach retirement, there are some things about it that might surprise you.
Travel, Without the Baggage
Tips to avoid checking in luggage on your next vacation.
Monthly Social Security payments differ substantially depending on when you start receiving benefits.
Protect yourself against the damage that your homeowners policy doesn’t cover.
There are other ways to maximize Social Security benefits, in addition to waiting to claim them.
Thanks to the work of three economists, we have a better understanding of what determines an asset’s price.
Taking regular, periodic withdrawals during retirement can be quite problematic.
Preparing for the eventual distribution of your assets may not sound enticing. But a will puts the power in your hands.
This calculator compares a hypothetical fixed annuity with an account where the interest is taxed each year.
Determine if you are eligible to contribute to a traditional or Roth IRA.
This calculator can help determine whether it makes sense to refinance your mortgage.
This calculator will help determine whether you should invest funds or pay down debt.
Estimate the potential impact taxes and inflation can have on the purchasing power of an investment.
This calculator may help you estimate how long funds may last given regular withdrawals.
How federal estate taxes work, plus estate management documents and tactics.
Investment tools and strategies that can enable you to pursue your retirement goals.
Principles that can help create a portfolio designed to pursue investment goals.
Using smart management to get more of what you want and free up assets to invest.
There are some smart strategies that may help you pursue your investment objectives
The importance of life insurance, how it works, and how much coverage you need.
Have you found yourself suddenly single? Here are 3 steps to take right now.
Here is a quick history of the Federal Reserve and an overview of what it does.
A portfolio created with your long-term objectives in mind is crucial as you pursue your dream retirement.
Are you ready for retirement? Here are five words you should consider.
The decision whether to buy or rent a home may have long-term implications.
You’ve made investments your whole life. Work with us to help make the most of them.