Planning VideosRisk ToleranceMax DrawdownWithdrawal RateBeta-Blueprint Financial PlanSocial Security Planning401k/IRA RolloversMedicare PlanningLost Income PlanningLife InsuranceLong Term CareI died, what happened To my Stuff

Planning Videos


Social Security Planning




Risk Tolerance

Before we can ever make a financial recommendation, we first need to know how much risk you are willing to take.  We use a patented Risk Number® technology that objectively calculates an investor’s true risk tolerance utilizing a scientific framework that won the Nobel Prize for Economics.


Take the Risk Tolerance test at:  Risk Tolerance Test

Know your number before you invest.

Max Drawdown

What is drawdown? A drawdown is the peak-to-trough decline during a specific recorded period of an investment, fund or commodity. A drawdown is usually quoted as the percentage between the peek and the trough.

What is a Maximum Drawdown (MDD)? A maximum drawdown (MDD) is the maximum loss from a peak to a trough of a portfolio, before a new peak is attained. Maximum Drawdown (MDD) is an indicator of downside risk over a specified time period. It can be used as a stand-alone measure or as an input into other metrics such as “Return over Maximum Drawdown” and Calmar Ratio. Maximum Drawdown is expressed in percentage terms and computed as: (Trough Value – Peak Value) ÷ Peak Value

Peak-To-Valley Drawdown: A fund or money manager’s largest cumulative percentage decline in net asset value. It is defined as the percentage decline from the fund’s highest net asset value (peak) to the lowest net asset value (trough) after the peak. Funds that have been in existence for long periods of time may have a number of peak-to-valley drawdowns over various time periods.

Breaking down Peak-To-Valley Drawdown: While declines in a fund’s net asset value are inevitable, investors monitor the length of time it takes for the fund to recoup those losses. The shorter the recovery period, the better the fund’s performance. The caveat here, however, is that the recovery from the drawdown should not be achieved by the fund manager taking on a significantly greater degree of risk to get a boost in performance.

What is a Peak? A peak is the highest point between the end of an economic expansion and the start of a contraction in a business cycle. The peak of the cycle refers to the last month before several key economic indicators, such as employment and new housing starts, begin to fall. It is at this point that real GDP spending in an economy is its highest level.

What is a Trough? A trough is the stage of the economy’s business cycle that marks the end of a period of declining business activity and the transition to expansion.



Drawdown Report:  We offer a report that looks at your portfolio thru a Drawdown Lens. This report pulls the historical data of your existing holdings and converts it into an easy  to read graph that shows the “Max Drawdown” history of your portfolio.

After seeing the drawdown report, most people tell us that they had never seen their portfolio in this manner and never realized the amount of risk they were taking. If you are looking for a different way to help manage portfolio risk, this free report is a great place to start.

Withdrawal Rate Percent

There is a lot of talk in my industry about what percentage of a portfolio someone can safely withdraw each year without running out of money during someones lifetime.  There are many factors to consider when determining what the appropriate number is and this number can change when life happens.  We can help you identify what percentage you feel comfortable with and show you how to monitor this number each year.


Beta-Blueprint Financial Plan

We use The Beta-Blueprint Planning Software to provide you with a one-page printed document that allows you to see your financial data in a picture format. Your Blueprint will display your Goals, Concerns, Incomes, Assets, Lifestyle, Insurances, and Debt on one large printout. People tell us they like being able to see their financial life in the picture format because how it brings everything together. Discover the power of the picture.

We offer a free Beta-Blueprint to anyone who schedules an appointment in our office.  This report can help visualize key financial decisions before you put put them into action.

Social Security Planning

Social Security benefits are one of the most important parts of any retirement portfolio.  A poor claiming decision can cost tens-of-thousands of dollars, while making the right decision can contribute significantly to one’s financial security.

Visit  Social Security Wise  and click on the video button on the bottom center of the page to watch a 9 minute clip that can help explain why this is such an important decision.

We offer a free Social Security Timing Report to anyone who schedules an appointment in our office.  This report will help illustrate why this is such an important decision.


401k/IRA Rollovers

We help people with 401k rollovers: when it comes time to decide what to do with your 401k, this is a big decision.  Our approach is to come up with recommendations that match your risk score, drawdown number, risk tolerance and your overall goals and objectives.  We typically have multiple recommendations for diversification purposes.

As a former member of Ed Slott’s Master Elite IRA Advisor Group, I want you to know that there are a lot of rules for IRA’s. We currently keep up the with changing world of retirement plans though Applebee Retirement Consulting.

Medicare Planning

Of all the areas we deal with, this area seems to create a lot of confusion. We teach people the different parts of Medicare (parts A, B, C, D) and the difference between the 10 different Medicare Supplement Plans (A, B, C, D, F, G, K, L, M, N). Upon request, we will provide you with a copy of “How to Choose a Medicare Supplement” guide.


Lost Income Planning

When it comes time to think of “Lost Income Events” most people think of a younger family and the need to own a term life insurance policy to cover a family’s need in the event of an untimely death of a loved one.

But what happens in retirement and you loose a spouse?  There can be a significant lose of income for the surviving spouse when this takes place.  There can be lost or reduced pensions, lost Social Security, and reduced annuity payments to name a few.

We guide people though a “Lost Income” workflow that can help calculate the lost income for each spouse in a scenario of losing a spouse.  This planning process helps prepare the surviving spouse for a way to replace as much of the lost income as possible.  I believe every asset has a purpose and one of the strategies I recommend, if suitable, is a asset designated as a “Lost Income Replacement Fund”.

If you don’t learn anything else from our company but this one thing; that is please don’t leave your loved one burdened with a massive income shortage.  With proper planning you can fix this.

Contact us if you would like a “Lost Income Analysis” report.

Life Insurance


Life insurance can be a financial tool for those approaching retirement.

Many retired couples depend on Social Security and pension income to survive.  If the retired spouse dies, those payments may be reduced for the survivor – survivor benefits are often much lower than retiree benefits – while many of the ongoing expenses remain.  You can help protect your surviving spouse from this reduction in income with life insurance. The death benefit can help replace your missing income so a personal loss does not become a financial one as well.

As part of our planning process, we can do a Lost Income analysis to determine if there is a life insurance need.  We can also review existing policies to help you understand what you already own.

You can’t guarantee that you will always be around to provide your family with an income, but we can help you ensure your family’s financial security if something happens to you.


Long Term Care

Long-term care insurance pays for services when you need help taking care of yourself because of a chronic medical condition, disability, or disorder such as Alzheimer’s disease.

A policy can help pay for assistance with routine activities, such as bathing or dressing. Most policies will reimburse for care given in a variety of places, such as at home, in a nursing home, assisted living facility, or adult day-care center.

Why buy long-term care insurance:                                                                                                                                                                           
Chances are you’ll need long-term care at some point in your life. Among 65-year-olds, 70% will use some form of long-term care, according to the U.S. Department of Health and Human Services.

Regular health insurance doesn’t cover long-term care. And don’t think that Medicare will come to the rescue; it covers only short nursing home stays or limited amounts of home health care when you require skilled nursing or rehab. It does not pay for custodial care, which includes supervision and help with day-to-day tasks.

If you don’t have insurance to cover long-term care, you’ll have to pay for it yourself. You can get help through Medicaid, the federal and state health insurance program for low-income people, but only after you’ve exhausted most of your savings.

People buy long-term care insurance for two reasons:

1. To protect their savings.  Long-term care costs can deplete a retirement nest egg quickly. The median cost of care in a semiprivate nursing home room now tops $80,000 a year, according to Genworth’s 2015 Cost of Care Survey.

2. To give more choices for care. The more money you can spend, the better quality of care you can get. If you have to rely on Medicaid, your choices will be limited to the nursing homes that accept payments from the government program. Medicaid does not pay for assisted living in many states.

Buying long-term care insurance might not be affordable if you have a low income and little savings. The National Association of Insurance Commissioners says some experts recommend spending no more than 5% of your income on a long-term care policy.

How long-term care insurance works:
Long-term care insurance helps pay for care up to the policy’s limits. The policies usually cap the amount paid out per day and the amount paid during your lifetime.

Under most long-term care policies, you’re eligible for benefits when you can’t do at least two out of six “activities of daily living,” called ADLs, on your own or you suffer from dementia or other cognitive impairment.

The activities of daily living are:

Caring for incontinence
Toileting (getting on or off the toilet)
Transferring (getting in or out of a bed or a chair)
The insurance company will review medical documents from your doctor and may send a nurse to do an evaluation. Before approving a claim, the insurer will need to approve your “plan of care.”

Most long-term care policies impose a waiting period before payment begins, called an “elimination period,” such as 30, 60, or 90 days. The policy starts paying out after you’re eligible for benefits and usually after you receive paid care for that period. Most policies pay up to a daily limit for care until you reach the lifetime maximum.

Some companies offer a “shared care” option for couples when both spouses buy policies. This lets you share the total amount of coverage, so you can draw from your spouse’s pool of benefits if you reach the limit on your policy.

Contact us if you would like to learn more about long-term care insurance.

I died, what happened to my stuff?

I have to use this catchy title to get your attention.  This is called Estate Planning and the answer is: it depends on how well you planned.  We are amazed how many people we meet who don’t have a will or trust in today’s times.  The most common answer we get when we ask why they don’t have a will is, “We are working on it.”

If you die without leaving a will, the legal consequences can be disastrous, particularly if you have a lot of assets. Instead of being able to decide in advance how your property will be divided among your heirs, your assets are distributed according to the state laws where you were domiciled and/or owned real property at the time of your death.

Additionally, the outcome may be entirely different than what you wanted to happen and can also lead to fighting among your heirs over the distribution of certain items, such as items having sentimental value. A judge shouldn’t decide who receives a family heirloom.

We highly recommend to you meet with an attorney and get your wishes written down along with having your healthcare power of attorney and your durable power of attorney in place.

Free Reports

We offer a series of reports for anyone who schedules an appointment with our office at no charge. These reports can offer insight into your current investments, policies and your overall financial plan. After our meeting, you will know your Risk Tolerance Score, the Max-Drawdown on your current portfolio and your Withdrawal Rate percentage.

We are often asked why we do these reports at no charges? It’s simple:

First – We want to make sure we are a good fit. Can we effectively communicate with a potential client and is the client comfortable with us? Let’s face it, some people are just not a good fit for one another.
Second – we want the chance to earn your business by demonstrating superior planning.

I Will help you
to understand:

  • The full picture of your retirement financial plan
  • Your Risk Tolerance Score
  • Your Max Drawdown Number
  • Your Withdrawal Rate Percentage
  • How these and other factors play into your overall financial plan

To find out more:

Get Free Consultation

Let`s start planning your financial future today



Actually, I’ll listen as you explain your needs, dreams, and fears. Then I’ll design a personalized plan that explains how we can help you reach your financial goals.



We work together to implement the plan. Then I keep you updated on where you stand and adapt the plan as life happens.



I’m here for you whenever you need. Call me at any time, for any reason. Buying a new car? Ask my advice. Been offered a new job? Give me a call. Daughter got engaged? Congrats – I’ll help you figure out how to pay for the wedding!

Get Started Today!