Can you afford your retirement dreams if we have another major market downturn or stocks go sideways for another ten years?
Will your retirement portfolio keep up if we have a bear market in bonds and higher inflation?
At Focused Wealth Strategies, we focus on helping people near or in retirement protect their portfolios and maximize after-tax cash flows. It is not what you earn, but what you keep that is important.
We use a core and explore portfolio design. The "core" portfolio consists of high quality, conservative to moderate risk investments. The goal of the core portfolio is capital preservation.
The goal of the "explore" portfolio is to earn stronger returns to help the portfolio keep up with inflation and to fund longer term goals.
"Buy and Hold" investing does not work well in secular bear markets like the one we are in now. We use more active tactical asset allocation.
We may recommend you underweight or overweight equities depending on how expensive they are and how high the risk of a major correction is.
When risk of a major stock market correction is high, we may recommend selling some or all of the explore portfolio and moving to cash or investing in inverse funds that short stocks.
You make the call as to how much risk you are comfortable with.
We do creative Social Security planning for Clients nearing retirement to help them maximize what they receive from Social Security over time.
We "stress test" your retirement plan and perform multiple "what-if" scenarios to determine the risk of outliving your money and whether you need to work longer or save more.
We help Clients in retirement decide how much they can afford to withdraw from their portfolio each year and which investments withdrawals should be made from to maximize after-tax cash flows.
We often use a bucket approach to integrate the risk Clients assume in their portfolio with their life goals. This helps us better align the risk and liquidity of retirement portfolios with our Clients after-tax cash flows needs.
For example, we use very low risk, liquid assets to fund short-term expenses, moderate risk assets to fund intermediate-term goals, and more aggressive investments to fund long-term goals and to help retirement portfolios keep up with inflation.
The focus is on you. The financial plan is customized to your needs, your risk tolerance, and your goals.
We are independent, fee-only advisors. We are fiduciaries who put your best interests first.
It is not too late to have a major impact on the freedom and choices you have. If you would like to learn aboutWho We Work With , please click here.
