Investment Planning

"Most people try to decide what to invest in for "retirement", which is kind of like deciding whether to take a plan, train or automobile before you even know where you are going." - Carl Richards


Your investments should have a specific place and purpose where it fits properly into your retirement planning.  However, without a complete review of your personal situation, risk tolerance, income needs, tax situation, long-term care needs, and estate and charitable desires, no one can or should have an opinion on whether a specific product is right for you.   The discovery of your true desires and needs should be the first step, not the choice of investment products.  

With the understanding gained by going through the Income Planning and Advanced Tax Planning processes, we can now start to determine which investment options could be right for your situation and where they would best fit in your plan.  

“Rule No. 1: Never Lose Money. Rule No. 2: Never Forget Rule No. 1.” – Warren Buffet

In these turbulent times, investment management is critical, especially for individuals consider retirement in the near future or already in retirement.  A significant loss in the years just prior to and/or just after you retire can have a damaging impact on the level of income you receive over the course of your life. 

We manage investments with a 21st century approach to protect against market downturns. Instead of relying on stock selection and asset allocation to limit risk, we offer a mix of modern tactical institutional managers, hedged equity, high probability option strategies, fixed indexed annuities, structured notes & market-linked CDs that are designed to protect against the downside and succeed in all markets: bull, bear and neutral.  We seek to maintain a risk-managed approach toward investing looking at performance through a complete market cycle.

All of our investment strategies are then stress tested gauging the potential risk and opportunities before they unfold using advanced statistical relationship modeling between economic levers and our investment recommendations.  Through this advanced technology we are able to model the impact of recessions, crises, and other economic events, using historical research and analysis on how economic indicators are correlated and their potential effects on your investments.  The Federal Reserve uses similar technology when examining a bank’s balance sheet and cash flow, stress testing them under a range of economic assumptions. 

“Questions? Phil Putney, CPA/PFS is a federally licensed fiduciary. Call (248) 888-7530 or click here to schedule a no obligation consultation.