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!
Social Security: By the Numbers
Here are five facts about Social Security that might surprise you.
How Does Your Credit Score Compare?
Have you ever wondered how your credit score compares to the rest of the country? Take a look and see.
Jane Bond: Infiltrating the Market
Agent Jane Bond is on the case, cracking the code on bonds.
If you have a traditional IRA, you may have the opportunity to extend its tax-deferred status across multiple generations.
Earnings season can move markets. What is it and why is it important?
However exciting retiring abroad may sound, it deserves considerable planning.
Concerns over identity theft continue to grow, especially with data breaches at major companies and financial institutions.
Consider how your assets are allocated and if that allocation is consistent with your time frame and risk tolerance.
There are unique risks of owning a second home and obtaining the proper coverage may protect you from financial risk.
This calculator can help you estimate how much you may need to save for retirement.
Use this calculator to better see the potential impact of compound interest on an asset.
This calculator helps determine your pre-tax and after-tax dividend yield on a particular stock.
Estimate your monthly and annual income from various IRA types.
This calculator compares the financial impact of leasing versus buying an automobile.
This calculator helps estimate your federal estate tax liability.
There are some smart strategies that may help you pursue your investment objectives
There are some key concepts to understand when investing for retirement
Using smart management to get more of what you want and free up assets to invest.
A number of questions and concerns need to be addressed to help you better prepare for retirement living.
A presentation about managing money: using it, saving it, and even getting credit.
How federal estate taxes work, plus estate management documents and tactics.
A visit to the hospital can be painful, for both your body and your wallet. Don’t let it be more painful than it has to be.
There are three things to consider before dipping into retirement savings to pay for college.
If your family relies on your income, it’s critical to know what their needs would be in the event of your death.
All about how missing the best market days (or the worst!) might affect your portfolio.
Lifestyle inflation can be the enemy of wealth building. What could happen if you invested instead of buying more stuff?
A special needs trust helps care for a special needs child when you’re gone.