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  • Robert Perez June 26, 2017 at 3:44 pm

    I would like to speak to you about purchasing & investment in annuities…I be will be retiring in about 18-24 mons.

  • Michael Bert. August 14, 2017 at 8:55 pm

    My wife and I are 70 yrs. old and have approximately 500k sitting in a savings account, doing nothing. I have a state retirement pension and we both receive SS. I would like to invest (securely) the 500k since we live comfortably on our income. We lost 200k in the past crash and can’t afford to lose any more.

    • Jeffrey Voudrie November 16, 2017 at 12:12 pm

      There are a lot of people in the same boat. Many lost huge amounts in the 2009 crash and never recovered. Most of the financial industry promotes a method of investing that I refer to as ‘buy and hold’. The industry says you should just ‘hold on’ while the market crashes and then hope that it will come back. They promote that because it is in their best interest not yours. Buy and hold (in my opinion) is especially dangerous for people entering retirement because they will be changing from accumulation to distribution. If a retiree loses 25% or more of their account value in a market downturn and they are taking monthly payments it is EXTREMELY difficult to ever recover from that. INSTEAD, the accounts should be managed and risk processes applied that are designed to move the accounts to safety/adjust the allocation based on the level of or risk in the markets. I have 3 patents on risk management processes designed to do just that.

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