Our Philosophy

OUR INVESTMENT PHILOSOPHY

We work with a Tactical Asset Management Third-Party Investment Advisor that works with Private Wealth Managers that can * “Risk off” to cash, take advantage of the stock market if it goes up or down and might earn money for clients if interest rates increase or decrease.

For retirees, pre-retirees and conservative investors, we believe “Buy & Hold” and Asset Allocation Models are not appropriate, considering investor drawdowns/losses could be 50% in the S&P 500 as we experienced during the Great Recession.

Integrating investments with tactical low-to-moderate risk portfolios.

Through the Third Party Investment Advisor, clients are provided with moderate risk and moderate volatility portfolio management. Using a Retirement Designed Money Management System, our goal is to provide clients with portfolios to help protect what they’ve worked so hard to build. We help retirees who strive to secure a better retirement through this fee-based asset management, always ensuring their individual needs remain our top concern.

As with any other investment strategy, this approach entails risks, including the risk that client accounts can still lose value and the risk that a defensive position may, at any point in time, prevent client accounts from appreciating in value.

We also believe in a sound income strategies investment grade portfolio that seeks to generate ongoing income that is both expected and with regularity.

We work with a third-party Investment Advisory Firm that invests in debt securities and other instruments that have similar characteristics. The holdings typically include individual securities vetted by an investment process that involves an assessment of the accounts potential exposure to interest rate risk and credit risk relative to the value of specific issues. Implementation pays special mind to balancing transaction efficiency, low costs, liquidity and scheduled income stream.

 *There is no guarantee that managers will avoid future market losses risking off to cash. In addition, holding cash may carry the risk that a manager is not invested during periods of positive market performance.