Welcome to Shrier Associates, LLC …
Growing Wealth for Retirement Begins with Risk Management
At Shrier Associates, LLC we’ve put together a multi-disciplinary group of professionals who have a goal to help grow and protect your money.
ARE YOU PREPARED TO FINANCE A LONG LIFE AND RISKS OF INVESTING?
Most people are not aware that the S&P 500 has had drawdowns of over 50%. Drawdown is the negative return after an investment hits a high point. We have developed a unique “Financial Risk Report” that was created to help you understand the “real” risks associated with investing in the stock market. It is only after you understand the risks of particular investments can you determine if they are a good fit to help you grow and protect your assets. After completing the assessment and seeing your results, we are here to discuss your outcome and help you readjust your plan accordingly if necessary.
From 2000-02 the S&P declined 47%; the NASDAQ declined 78%.
From 2007-09 the S&P declined 56%: a 60/40 blend of stocks and bonds declined 33%.
The Fallout: A Lost Decade and More…
For a buy and hold investor it took almost 13 years- from March 2000-January 2013- just to recover what they had lost in the S&P downturns. They made nothing and would have seriously depleted their nest egg had they taken money out for retirement or emergencies.
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Can You Afford to Proceed with Business as Usual?
Since bottoming out in March 2009, the S&P has completed an 8-year bull market run that has more than tripled its value. Yet over the same time, the actual economy has recorded the weakest recovery since WW II. Does that make sense to you?
2 Major Sources Boosted Its Climb:
The Fed’s quantitative easing (QE)
Corporate stock buybacks
But the fed has now ended QE and begun a series of rate hikes. Also, insider selling from corporate executives has risen to record levels in recent months.
Facing such headwinds, are we about to experience “déjà vu all over again”? Can you afford to lose another 50-60% of your nest egg, or perhaps even more?
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The Key Ingredient: Tactical Management
Clearly they didn’t achieve such results with a buy and hold or asset allocation strategy. Instead, they all relied on their proprietary, tactically managed trading platforms to help guide their investment decisions: when to be in the market, when to go “risk off” to cash and even when to hedge and possibly make money when markets are declining.
Did you share in any part of that “lost decade” we outlined above? Would you like to compare the results of our portfolio managers with your own? We invite you to do so. Even if you’ve been working with a trusted advisor, isn’t it prudent to get a second opinion? In these times and these markets, can you afford not to?
OUR UNIQUE STRATEGY
By capturing most market gains, but a smaller portion of market losses, we can often outperform more traditional equity strategies, which feel ALL movements in the market – whether that is up or down.
Avoiding Significant Market Losses, simply put, is the best strategy to preserve assets for your retirement.
WHY WORK WITH US
WEALTH PLANNING & INVESTMENT PORTFOLIOS DESIGNED FOR YOUR SPECIFIC RETIREMENT TIMELINE: We don’t force clients into investments that may not fit their retirement timeline; instead, we develop a unique plan for each of our clients.
AVOID UNNECESSARY RISK: We avoid unnecessary investment risk and therefore limit substantial losses associated with that risk.
We are 100% focused on our clients’ needs, and truly believe that your investment and financial plan should revolve around you. We have a fiduciary responsibility to always place your interests ahead of our own.
SOLVING THE PROBLEMS OF TODAY’S INVESTOR
Reality is, we are facing longer retirements, lower guaranteed incomes, and a higher cost of living than ever before. Our philosophy is to avoid unnecessary investment risk and provide a higher safe withdrawal rate at retirement, providing you with confidence you need to live your life now and achieve your long-term goals.
The fact that you’ve taken time to visit our website tells us you’re concerned about the issues we’ve outlined.
A good place to start is the Risk Analysis Questionnaire.
We invite you to complete a complimentary risk analysis. This analysis generates your own unique Risk Score which can be used to help determine the best wealth building tools for your personal situation.
Thank you for your time and consideration…..
Shrier Associates, LLC