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!
What is the Value of Your Business?
Ascertaining the value of your business is important for a variety of reasons.
Systematic Withdrawals in Retirement
Taking regular, periodic withdrawals during retirement can be quite problematic.
Countdown to College
Preparing for college means setting goals, staying focused, and tackling a few key milestones along the way.
E&O insurance is specifically designed to protect you, or your company, from the risk of a client’s dissatisfaction.
Your credit score may influence how much you pay for auto and home insurance.
How to help determine life insurance needs to provide for your family after you pass away.
Umbrella liability can be a fairly inexpensive way to help shelter current assets and future income from the unexpected.
Having an emergency fund may help alleviate the stress and worry associated with a financial crisis.
Maintaining a healthy lifestyle can help you reduce health-related expenses—and avoid time in the recovery room.
Estimate the total cost in today's dollars of various mortgage alternatives.
With a few simple inputs you can estimate how much of a mortgage you may be able to obtain.
Estimate how many months it may take to recover the out-of-pocket costs when buying a more efficient vehicle.
This calculator can help you estimate how much you should be saving for college.
This calculator estimates how much life insurance you would need to meet your family's needs if you were to die prematurely.
Estimate the potential impact taxes and inflation can have on the purchasing power of an investment.
Using smart management to get more of what you want and free up assets to invest.
Investment tools and strategies that can enable you to pursue your retirement goals.
There are some smart strategies that may help you pursue your investment objectives
A presentation about managing money: using it, saving it, and even getting credit.
The importance of life insurance, how it works, and how much coverage you need.
The chances of needing long-term care, its cost, and strategies for covering that cost.
Making the most of surprises is a great reason to work with us.
What if instead of buying that vacation home, you invested the money?
The decision whether to buy or rent a home may have long-term implications.
When do you need a will? The answer is easy: Right Now.
The market is as unpredictable as the weather. We’d love to help you prepare.
A growing number of Americans are pushing back the age at which they plan to retire. Or deciding not to retire at all.