In retirement you're looking at one of two outcomes: either you will outlive your money, or your money will outlive you. The return on your investments is key to long-term retirement success.

Your dignity and independence will depend on the strategy you've implemented to produce a lifetime and lifestyle sustaining income. We are living longer and may have to support ourselves for longer periods than in the past. Factor in inflation and taxes along with rising health care costs and you need to ask yourself if the total long term return of your portfolio will equal or exceed your withdrawal rate.

Is your investment strategy appropriate?

Have you questioned if buy and hold, static allocation and passive diversification are appropriate strategies?  

Static allocation is what many financial institutions do when they divide your hard-earned money between artificial categories like large and small company stocks or "growth" and "value" stocks. This is a formula for institutionalized mediocrity. 

It is our belief that all portfolios must be actively monitored. A stock portfolio needs frequent maintenance just like a vineyard, a house, a car or any other asset. We monitor funds and rank funds monthly, gauging performance versus other no-load funds, as well as the overall stock market.

Your investment strategy needs to address growth and change in the markets in addition to growth and changes in your wealth. Life is dynamic.  Companies, industries and nations change over time. Shouldn't your investments adapt?

We design and manage global portfolios based upon academic and professional research in behavioral finance.  We strive to achieve superior investment returns using a proprietary scientific, risk management approach to investing. Based on our knowledge of competing offers in the marketplace, we believe we offer a level of proactive involvement that exceeds the market standard.

To schedule a retirement strategy session- call 707- 836- FUND