Welcome to my website, where I hope to offer you something of life changing value.
If you would like to know more about how I approach the markets and working with clients,
check out my interview in Proactive Advisor Magazine.
Whether you are already retired or working to accumulate enough capital to fund retirement, you are likely aware that serious problems for most investors are the low levels of current income available from the bond markets and the possibility of devastatingly substantial losses that seem to lurk around the corner every few years in the stock markets.
If you've ever been let down by or are skeptical of the standard advice of relying on asset allocation, along with its attendant reduction in returns and the wishful thinking of "staying the course" during market declines, consider that diversification by strategy is a more successful method of managing risk.
My focus with clients is to enable them to:
* Secure a desired level of lifetime guaranteed
income either now if already retired or later
upon retirement.
* Steadily grow investment capital to a needed
amount by combining multiple risk
management strategies so as to smooth out the
variance of returns by minimizing the downside
and upon retirement, convert enough of it into a
desired level of lifetime guaranteed income.
* Continue using multiple risk management
strategy combinations with the remaining
non-income capital once in retirement in order
to regularly fund increases of their lifetime
guaranteed income while retired.
Understanding bear market history helps define the challenge.
Knowing the history of asset allocation returns helps define at what point on the risk/reward spectrum you are either currently positioned or considering exposing yourself to.
We use a blend of different risk management strategies designed to gain as much on the upside as possible, while avoiding most of the downside.
If you would like to learn about investing in a liquid, risk managed advisory account that pursues a goal of achieving above average returns with below average risk, reply here.
If you would like to know how much is needed to secure a specific lifetime guaranteed income amount for one or two people, reply here.
Newsletters
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How Savers and Spenders Can Meet in the Middle
Couples who have opposite philosophies regarding saving and spending often have trouble finding common ground. This article offers some tips to learn to work with financial differences.
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SECURE 2.0 Makes It Easier to Give and Receive
The SECURE 2.0 Act modified the rules for qualified charitable distributions to allow funding a charitable gift annuity or charitable remainder trust from an IRA.
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Medical Debt and Your Credit Report
This article looks at changes in the way medical debt is handled on credit reports and offers tips to avoid having unpaid medical bills impact credit.
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The IRS Wants More Info About Your Gig Income
If you earn money through a payment app or online marketplace, you may be affected by a new tax reporting requirement.
Calculators
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College Funding
Use this calculator to estimate the cost of your child’s education, based on the variables you input.
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Taxable Equivalent Yield
Calculate the rate of return you would have to receive from a taxable investment to realize an equivalent tax-exempt yield.
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Savings Accumulation
Estimate the future value of your current savings.
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Required Minimum Distributions
Estimate the annual required distribution from your traditional IRA or former employer's retirement plan after you turn age 73.