Time to Make a Move?

With the New Year right around the corner, we always get calls on whether or not you should make a change in their retirement accounts or wait until after the 1^st of the year. Our listeners and readers should be aware of this timing for their regular accounts too.

Regardless of the market conditions, there is no bad to upgrade or make improvements in your portfolios. If it is an improvement, never hesitate based on the old sales sayings of "You are selling out of an investment when it is worth less than you started with", "never sell an investment when the market is down", or our personal favorite, "you shouldn't sell this because it is a long term investment". Ask people who owned stock in Ford, General Motors, or any of the other huge blue chip companies that went bankrupt this year if they were better off holding onto that particular stock as the market went south.

Furthermore, there are moves in your regular taxable accounts that can help reduce or eliminate taxes. Mutual funds must distribute capital gains to anyone that owns the fund on a particular date. Therefore, you can find yourself paying stiff tax bills because of a mutual fund that actual LOST you money. Now is a time to look at your investments to see if it makes sense to harvest some losses for tax purposes.

Remember though, taxes should not be a major factor in making a decision to sell a good investment.

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Active Investing

For over 25 years, we have asked new clients what has got them to be where they are at financially, whether it is up or down, good or bad. As they are telling us why it happened, when it happened, or who is to blame, it is always someone else's fault.

In investing, you have to remember it is YOUR money. You need to be or become active in it. This is not saying you have to do it all yourself, but you need to be part of the process. Here are three questions to help you get started.

First, how did you get where you are and what caused you to get the results you have seen? Were the investments solid or could you have done better? Is your money safe enough for another crash? Have you been saving enough??? You need to understand where you are and how you got here.

Second, the success or failure of your investments lies solely on you. Exactly what part were you responsible for? Have you chosen the investments yourself? Did you make an informed decision that you couldn't do it yourself? Did you hire the right advisor? Were you sold a product? Hindsight is always 20/20, but if you had to make the same choices today, would you choose the same answer? Remember, this is your money so you need to accept some responsibility for how much you have today.

Finally, are you focused on the actions needed to improve your situation in the future? Do you need to change investments? How has the economy changed your situation? Is your advisor still right for you? Do you know what you are looking for? Do you have a clear picture of what your goal looks like?

Investing is a constantly changing process. You need to be active in it if you want success in your financial future.

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Time, Time, Time

One of the reasons you hire an advisor to "deal" with your investing is because you don't have time to do it yourself. You don't have time to learn, to do the research, to follow up. While we understand our client's time is invaluable, we also understand that your account could be saved thousands for each hour you invest in it.

Being active in your investments does not mean you have to learn everything there is to learn. In fact, many people are learning as much as they can since the crash of 2008. You do not see any real value from learning though until you put into action what you have learned.

You at least need to learn enough that you can actively oversee your investments. Most of the work is still done by others. Think of yourself as the foreman at a construction site. You need to be able to look around and know enough that you can see the proper work is being done.

By being accountable and active, you can be rewarded well for your time and actions.

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A Clear Picture

Everyone says they want to retire. They even know when they want to retire. Most people though have no idea what retirement will look like.

Working towards any goal is difficult. It becomes even more difficult when you don't know what you are working towards. There is an old saying that goes "what the mind can believe and conceive, the body can achieve". What this means is you have to know what you are going for. Whether retirement is more time on the golf course, spending more family time, or moving to a special retirement location, you need to know what you are working for.

Part of knowing where you want to go depends on where you are starting. This is why you need to understand your statements today!

Unfortunately, many people are still throwing these statements in a file without ever opening them. Would you go shopping without knowing how much money you have in the bank? Probably not. In the same way, you can't plan for retirement without understanding how much you are starting with. This applies to people in retirement too. You can't continue living a lifestyle your savings won't support.

Not only do you need to know what the bottom line is, you need to be able to understand what is going on in your accounts. This ISN'T your advisors' responsibility. You have to me an integral part of your money and the success or failure of your retirement.

Ask questions, get answers you understand, and get a clear picture of what your retirement will look like!

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What Should You Look for When Choosing a New Advisor

Every book and magazine has lists and steps you should go through when you are looking to hire or change advisors. These offer great first steps when you begin your search.

Just like when you are choosing a new babysitter for your child or grandchild, you need to interview each prospective new advisor. You have questions; you listen closely to their answers, and are sure you UNDERSTOOD those answers. You trust the babysitter for your child's well being, you also need to trust your advisor for your wealth's well being.

Another way to look at the process is like a job interview. If you were hiring someone for your company, you would ask a majority of the questions. However, when people hire an advisor, they allow the advisor to do most of the talking. In reality it should be the other way around.

Again, be sure to ask plenty of questions and get the answers that make sense to you.

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Are You Running Out of Money?

Regardless of where you have your retirement and investment assets, 4 out of 5 people reading this column WILL OUTLIVE their assets.

Let me repeat that. Whether you have your assets in the stock market, at the local bank, or even under your mattress, 4 out of 5 of you WILL OUTLIVE your assets.

This has been the single biggest problem facing retirees for over 25 years that I have been advising people. We have seen widows lose 50% of their portfolios in accounts they were told was low risk. We have clients that we told for years in advance that they couldn't sustain their current lifestyle. Unfortunately something has to give, and it's usually their accounts.

Beginning with the creation of the 401(k) in 1978 and continuing through the death of the company pension plans today, people who have never managed their finances, and never wanted to, are faced with more and more responsibility.

Many times, at retirement, workers are faced with huge decisions that will impact the next 20, 30, or 40 years of their life and are "helped" with that decision by nothing more than a financial salesperson.

You need to have a serious discussion about running out of your money and don't believe a planner or broker who says everything will be fine. Ignoring or avoiding how safe your portfolio is or isn't and not paying attention to how much you are spending is setting YOU on a dangerous slope.

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How Can You Get More Retirement Income

Our government has kept interest rates extremely low to help boost corporate spending and keep inflation at bay, hoping to stimulate the economy. By keeping the prices of everyday items low, we get the unfortunate byproduct of low interest rates on our savings.

For many retirees, those lower rates mean lower income for them. Is there are way to increase your current income?

Usually, after reviewing all possible income generation assets and understanding the current and actual income needs, we can usually find a solution to this problem.

Let us stress the words 'usually' and 'current'.

There is not always a solution and sometimes a possible to solution could end up being worse than the original problem. Furthermore, you can't let a short term solution strangle your flexibility for long term problems. The solution needs to allow for changes that will happen as time goes on.

The key is to get a review or your assets and be sure to understand the drawbacks that go along with any solution.

To hear the Smart Money Radio Show segment focused on this topic, Please Click Here! (about 7 minutes long)


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Organizations, Certifications, and Other Letters after Your Name

CFP, CFA, FINRA, NAFPA and many other abbreviations often pop up when you deal with someone in the financial and investment business. What they mean or what they do can get very confusing and all sound very professional to you, the investing consumer. Let's see if we can help straighten things out.

Most organizations are designed to help and advocate for the client. Let's take NAPFA is the National Association of Personal Financial Advisors. It is their mission to educate consumers about client-centered financial planning rather than the biased commission driven advice of brokers and salespeople.

Sounds great, right?

However, these groups and other abbreviations you may see on advisors' business cards do not provide any assurance that you are going to have better results.

Remember, the key to your financial success comes from having a program designed to fit you and have a good understanding of the strengths and weaknesses of your plan!

To hear the Smart Money Radio Show segment focused on this topic, Please Click Here! (about 7 minutes long)


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Long-Term Investment vs. Long-Term Strategy

A long-term investment is one you buy and hold for a long time, just like the name suggests. A long-term strategy involves establishing an allocation of assets, and funding each part of that with a high quality asset that is routinely reviewed for continued suitable.

We do not agree with long-term investments. Owning a bad investment for a long period of time is rarely a benefit for anyone. For example, we have seen many senior adults with General Electric or General Motors for some or their entire portfolio. For years, these stocks were good to them in the form of strong dividends and positive growth.

As the overall picture changed for these companies, they were becoming less and less suitable for senior adults. We were advising many people who owned these investments prior to becoming our clients to lower the amount they were holding or to sell completely out of these holdings. The continuing decline of those companies significantly reduced the wealth of those who kept them.

Long-term investing had these people holding General Electric and General Motors indefinitely; a long-term strategy suggests they pick an alternative as these once global leaders dropped in quality.

It is often very difficult to convince people to get rid of an investment they have held onto for a long time for two reasons.

The first reason is emotion. We often hear that the stock has been good to the clients. It paid a high dividend or that it showed positive growth from the original investment. But you should never buy or hold onto an investment because of emotion if the stock is underperforming.

The second reason is taxes. People are deathly afraid of paying taxes to the point where they will let a stock lose 30% to 50% of their account so they do not have to pay taxes on any of their gains. If they would've sold out and paid the taxes on the gain, they would have a lot more money now than they do because they didn't sell. Taxes need to be considered, but should never be a reason to hold onto a bad investments.

History has shown us that you can get rich by owning a single stock, but you usually can't STAY rich.


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Steps You Should Take to Help Make Smarter Choice for Your Finances

There is a lot of information available. You need to be able to filter, evaluate, and decide what information is important to you. But before you get started down that path, there are questions you need to ask yourself to help make smarter choices for your finances.

As a getting started (or getting started over) guide, we are going to provide you the questions you need to answer honestly!

Question 1- Where are you and where have you been? Look at your investments and get a clear picture. Understand the strengths and weaknesses you have seen as you went along. This is a learning process and service you have already paid for! Start using it.

Question 2- Are you satisfied? Be honest because it is YOUR money. There are no maybes allowed here!

Question 3*- If YOU could do BETTER, would you want to know how? If not, then nothing really matters. You must take an active interest and align your finances to your goals and your risks. *This is a very critical question!

Question 4 - Are you equipped to routinely perform all the duties necessary to properly manage your retirement or investment wealth. Routine evaluation is key here. If you cannot self manage your investments, regardless of the reason, you need to seek a professional manager.

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Who is Responsible for Making or Losing Me Money?

Often we hear people complain that their broker, advisor, planner, or manager lost them money. However, this is rarely the case. A broker typically gives you an opinion of what you should do with your money, introduces you to the investments, and sells you a financial solution.

A wealth manager oversees the criteria for selecting investments, hiring and firing the individual managers of each of your investments. The criteria are predetermined so your portfolio is accountable to the design.

However, the real people responsible for your profits and losses are people you have never met. The executives of a company you own stock in, the fund manager who is in charge of choosing the investments inside your mutual funds, or the head of an organization which is issuing bonds are the people who make and lose you money each and every day. They are the ones that need to be held accountable to their duties.

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Money Management Does Not Need to Be Complex

With an open mind, some common sense, and advice that puts your interests ahead of everyone else's, managing your money does not have to be difficult.

Unfortunately, finding advice that puts YOU first is often the hardest ingredient to find. There is so much information available to you, but most of it is either speculative opinions or slanted toward someone else's goals and not yours!

You can call up one of the big firms like Fidelity or Charles Schwab (we see their commercials so much today) and ask for advice. They are often seen as an alternative to paying for advice from an expensive broker. Their recommendations maximize benefits to their company and oftentimes are mediocre at best. YOU are still making a final decision based on their professional but biased advice.

Vanguard, popularized because of their low fees, is another common company we see investors use. However, certain categories of their funds do not perform well. You are taking the risk of a category and paying lower fees, but the net return may be better in a fund with higher fees with the same risk.

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Choosing Investments

When we talk to people about the universe of investments that are available (over 25,000 mutual funds alone!), they often ask we go about choosing specific investments for our clients. Like Coke, KFC, and Bush's Baked beans, we aren't going to tell you the whole formula, but we do like to give a little bit of insight into our process.

If we are looking to fulfill a growth portion of your portfolio, we filter the 25,000 available funds down to the 7,200 that are suitable for that. Next, we get rid of any fund that is less than 3 years old. We found this timeline gives us enough data to evaluate the fund. Now, we are down to roughly 2,000 funds that are suitable for growth. We continue this filtering process over 26 different points of data, totaling over 3 million pieces, and finally boil the list from 25,000 funds to around 150 choices.

This search allows us to identify funds that do well in both up markets and down markets. They CONSISTENTLY earn respectable returns in up markets and minimize losses in down markets. They have the highest quality of management in their category.

None of these funds are exclusive to our clients, but you typically cannot get some of them from a broker. They have minimums ranging from $25 to $5 million, but in many cases the minimum is waived for a private wealth manager.

Since we do not get paid a commission, a mutual fund with a sales charge is useless to us. However, we do not throw funds with a sale charge out during our filtering process. We are searching for funds with the highest net performance for our clients. The high charge funds typically eliminate themselves with lower net performances.

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I Need Help!!!

Many factors can lead you to the decision that you need help with your investments. You may not have enough time. You may lack certain necessary skills. Maybe you can't filter out what really applies to you. Or, like many of our clients, you want to focus on other parts of your life.

First, notice we said help. Management must be a team effort and you still need to be involved in your investments to find the best fit.

How do you find an advisor or manager to help you? Well, it's a lot like looking for a doctor who specializes in your particular ailment. My wife had a back problem and needed surgery. All of our friends (and clients) recommended their doctor that did their back surgery. They told us how much they liked their doctor. So we interviewed several before we decided on would do her surgery.

Financial professionals, like doctors, have many different paths to choose form for treatment of a problem. You want the doctor who can produce the expected results, not the doctor who is most popular.

The first person you talk to may not be the best, but they get chosen just so you can get it out of the way. Then, you may never revisit that choice even if you have suffered significant losses or mediocre returns.

If you had a serious illness, you would take a genuine interest in finding the best choice to treat you. WealthKare is as important as your healthcare. You need to choose a person or group that give you simple, clear, and solid solutions.

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Crystal Balls, Market Timing, and Predicting the Future

As the markets continue their cycle, we are hearing two questions over and over again from you. They are "is it time to get back into the market" or "are we near another crash". While they may seem like similar questions, they are actually very different with different answers.

The first question relates to an investment strategy those in the business refer to as market timing. The belief is that you should be in the market during good times and get out of the market before the market begins a down cycle. What's more is the average investor expects their financial broker to make these moves for them. Many brokers believe you never need to make moves because your investments are long-term!

Market timing sounds great and looks good in theory. Who wouldn't want to enjoy the market going up and get out before it goes down? In reality, it just doesn't happen. If these programs and systems worked, we would see trillionaires instead of the billionaires we have in our society. When these programs and systems don't work, it's YOUR money that is lost, not theirs.

The second question, 'are we near another crash', ties into that, but the underlying question goes deeper. People want to know if we are near a crash or what do we think the market is going to do going forward. The talking heads of TV debate whether we are in a bull market (going up) or a bear market (going down). You will hear them going back and forth about previous market events and use that to prove what will happen going forward.

The true answer to the question is NO ONE has a crystal ball, so how can they predict the future. Don't worry about a crash or a raging bull market. You need to be sure that your portfolio properly reflects how much risk you can tolerate.

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The Television, Internet, and Your Money

With the satellite companies and cable companies, and more people accessing the internet, the TV and the world wide web are the frontiers of valuable information sources. Right?

Wrong. When it comes to wealth management, most of these provide little to no valuable information. As a manager, it is very important to monitor the investments and make decision based on new information. By the time it is REPORTED on the internet or TV, it is old news that has already affected your investments.

The primary function of television is advertising, not information or entertainment. Without sufficient advertising, any channel will go off the air. Their job is to draw you to their channel so you see the advertisements (that companies have spent millions on to get you to see their product).

The information, especially in today's turbulent markets, is creating an emotional response about investing, and financial decisions should never be based on emotion!

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What is Your Biggest Problem Inside Your Portfolio?

You are taking on too much risk. Most of the losses in people's accounts over the last few years can be attributed to risk. If your losses upset you, then there is a good chance that the risks in your account are much greater than your tolerance. Too many brokers overlook the significance of risk in designing your portfolio.

You are placing your trust in someone to choose investments that are suited correctly for you. If they make the wrong choices, it is your money that will be lost—not theirs. If you are unhappy with results, then YOU have to take actions to correct the matters.

One of the limitations of brokers or planners is the lack of flexibility in the investments they sell you. If the choice was not a good fit, it requires you to sell out of one investment and purchase another. Truth be told, it is almost impossible to assess someone's risk tolerance and make the best possible recommendation from one or two office visits.

As a private wealth manager, we assume from the beginning of our relationship with a client that we are going to have to make adjustments. We learn more about them, they will learn more about us. It is our job to manage the assets and allow for a better fit as a time goes on. We use the same principles that wealthy people demand—flexibility. When you have investments that have no sales charges, you can move within a universe of literally thousands of choices without any additional cost to you. It's like having a tailor made suit or dress that comes with free unlimited alterations!

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Is There Ever a Free Lunch?

Sadly, the answer is no! When times are good, people will overlook the possible downsides of a situation. Investors are no different. People ignore risks and pitfalls that can be easily seen if you just use some common sense. When things get bad, people try to absorb an overload of information to understand how and why they got there.

Whether you are buying a house, a car, or an investment, a salesperson points out all of the strengths and benefits of your impending purchase. They will not point out the weaknesses or drawbacks, which will jeopardize their chance of a sale.

The only way to make a smart investment decision that will affect your financial future is to have both the benefits and drawbacks laid out in front of you, equally.

Get the facts, use common sense, and remember there is no free lunch before making a decision that can decide whether your retirement will be a success of a failure!

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The True Cost of Fees

One of the biggest objections we hear is that you don’t want to pay a fee for private wealth management service. You’ve already lost enough money in this market and you don’t really want to lose more money to fees.

But the fact is that unless you have your money under your mattress or in a jar, you are paying fees and the amount you are paying would surprise you! There are hidden fees inside your insurance contracts, management fees inside all of your mutual funds, account fees inside your 401(k) or pension plan, and sometimes 2,3, or 4 sets of fees inside your retirement account.

Instead of being billed directly, these fees are taken from your account values, and you get a NET return. In a down market, you are actually using your principle to pay these fees since the account is not making any money.

There is no such thing as a free lunch. Whether you are working with a financial advisor, a broker, or a private wealth manager, YOU are paying fees. The real question is how much are those fees and what are YOU getting in return.

To hear the Smart Money Radio Show segment where Bruce discusses paying fees for private wealth management, Click Here! (about 7 minutes long)


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Is Your Portfolio One Size Fits All? Should It Be?

The simple truth is there is no such thing as a perfect investment. If one existed, everyone would own it. Every program or product is a compromise. You have to understand your goals, take an inventory of the strengths and weaknesses inside your portfolio, and see if there is a reasonable match.

Many times, we see people that have a ‘one size fits all’ portfolio. In private wealth management, the portfolio is much more tailored to the specific needs of the client, yet flexible enough to make future changes without any great expense.

Is it possible for you to have a ‘tailored’ managed account for the same or less money than the ‘one size fits all’? In many cases, it is!!!

To hear the Smart Money Radio Show segment where Bruce discusses finding the right portfolio through private wealth management, Click Here! (about 7 minutes long)


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How Good Are Answers if They Fail to Address Your Issues

You, the financial consumer, should expect good communication from any professional regardless if they are a planner, broker, or private wealth manager. We don’t believe that any planner or broker would want to give less either.

However, there are times when many communications and answers given to a client fail to address the issues at hand. This may seem counter-intuitive, so let us give you some examples.

Given the shaky market we’ve seen over the last decade, you were probably told at some point that “You have to realize your investments are long-term”, especially when discussing significant losses.

We fail to see how this answers your concern about losing money. Your investment strategy or philosophy should be long-term, but buying and holding a bad investment will rarely have a positive outcome for the client. Management involves routine evaluation of the investments and removing those that are counterproductive to the goals of the investor

Another common response we hear in response to a poor performing investment is “That’s only a paper loss unless you actually sell it”. An investment worth exactly what its value is on a given day when the market closes. If you invest $50,000 in something three years ago that is worth $30,000, you have lost $20,000. There is no crystal ball to tell us if it will ever come back.

There are many reasons why you may hear these universal answers to your questions. Pride-not wanting to admit failure-could be one. People not liking bad news or sharing bad news is another. Finally, people have a wrong assessment of their own ability when it comes to finances.

Money is NOT that complicated if you use common sense and we use easy to understand terms. If something doesn’t seem right or add up to you, there is probably something wrong!

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Wealthy Individuals Use Private Wealth Management, So How Can You Use It?

Most firms require assets of 20 Million dollars before you can gain access into their Private Wealth Management services. But it shouldn’t have to be this way!

You need to understand that sound financial principles are the same whether you are a widow with $50,000 or Bill Gates with his billions. The tax codes, retirement guidelines, and investment strategies do NOT have minimum account size restrictions, BUT YOUR financial planning firm and broker do!

Everyone can benefit from Private Wealth Management. The biggest difference is revenue for the brokerage or broker. It does not pay as well as selling products, so you see it less often.

Using today’s technologies, we are able to give YOU access to smarter and safer strategies for YOUR finances.

Why shouldn’t you be enjoying better services, lower fees, NO sales charges, and safer products?? It is YOUR money, shouldn’t you be getting the most out of it??

To hear the Smart Money Recipes Show segment where Bruce discusses why you haven’t heard of private wealth management, Click Here! (about 7 minutes long)


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