Real Retirement Solutions
designed to improve- Wealth Preservation
- Management of Risky Assets
- Peace of Mind
This is achieved through an ongoing assessment of market risks given your specific financial situation and goals.
Professional Expertise
Leadership Team
Richard Furmanski
CFA, CFP®
has been a portfolio manager and analyst for over 35 years. He manages conservative, tax-efficient portfolios for both pre-retirees and retirees. His lower risk approach appeals to investors who want less volatility and competitive risk-adjusted returns.
Mary Ellen Adam
Director of Operations
has been in office administration for over twenty years. Her experience includes customer service, firm operations, and office administration. She interacts with our clients on a day-to-day basis and handles any requests that may arise.
Frequently Asked Questions
If you can’t find the answer to your questions here, feel free to give us a call at 847-847-2505
Do you manage both stock and bond portfolios?
Yes. We build a portfolio of conservative, high-quality stocks and hold them for the long-term. The average holding period is 4 – 5 years. Our focus is on stocks that are suitable for retirement portfolios.
Our high-quality bond portfolios are designed to provide both income and stability of principal. Bonds provide the anchor for balanced accounts (those holding both stocks and bonds).
What is your investment philosophy?
Will the portfolio be managed in accordance with my financial goals?
What kind of expertise do you have and how can that help me in difficult markets?
Are you sensitive to taxes when managing portfolios?
How have you performed?
How do you charge for your services?
Recent Commentaries
Stay up to date with all of our latest comments and analysis.
March 2024 Market Commentary
The main section in last month’s February commentary was titled “The Tech Bull Market Rolls On.” Tech stocks continue to lead the charge and exploded to the upside after NVIDIA reported stellar results last week. AI continues to be the driving theme in the stock...
February 2024 Market Commentary
The Q4 earnings season is about halfway over and it has been mixed at best, in our view. Companies are beating EPS estimates at a normal clip, but revenue growth has been disappointing. This can lead to both lower profit margins and slower earnings growth ahead. ...
January 2024 Market Commentary
TURN THE PAGE: HELLO 2024! We will start with an executive summary of economic and market factors we think are important as we gauge the chances for another good year in stocks in 2024: DOMINANT THEMES: Inflation, the Fed, and artificial intelligence (AI) were...
Monthly Updates
April 2024 Mid-Month Recap
Although not even close to correction territory, the market has been acting heavier and heavier. Here is part of the reason why: The huge AI theme may be the market’s spinach, but the three-headed monster of higher oil prices, interest rates, and the U.S. dollar have...
March 2024 Mid-Month Recap
The U.S. stock market is overbought in the short-term and a near-term pullback can never be ruled out, especially in mega-cap tech land. Regarding the Fed, the late December 2023 pivot has helped, but this rally is about much more than the Fed (we suspect...
