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.
The Bond Market Takes Center Stage
Is the growing “consensus” that’s calling for recession correct? Not in our view. The leading/coincident indicator ratio tends to plunge consistently for long periods of time in the lead-up to recessions, unlike the three instances of sideways movement we have...
Why Investors Should Care About Rate Cuts
To date, about one-half of companies in the S&P 500 have reported Q2 earnings. Seventy-seven percent of companies have reported a positive EPS surprise, a very strong showing. The overall earnings decline is expected to be 2.6% for the quarter. For CY 2019,...
P/E Ratios and Bull Markets
The current economic expansion is celebrating its 10th birthday this month — the longest on record. What accounts for its longevity? In our view, the lack of an economic boom. No boom, no bust. The next recession may be the most widely anticipated of all time. ...
Monthly Updates
Truce With China: Has the Mini-Deal De-Risked the Markets?
Third quarter earnings: Usually when the analyst expectations bar is set low for earnings season, the S&P 500 sees a positive performance during earnings season. Conversely, when the bar is set high into earnings season, the market has struggled during the reporting...
High-Momentum Stocks Get Crushed
Most investors recognize two main categories of stocks, growth stocks and value stocks. But a third category, momentum stocks, have caught fire in recent years – both in popularity and performance. Momentum stocks are the stocks that have recently done the best. ...
