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.
October 2023 Market Commentary
We may be in a bull market, but outside of the mega-caps in the S&P 500, it has been a flat year for the stock market. The S&P 500 is up a rosy 11.7% through September, but the median S&P 500 stock is up just 0.4% YTD. And the broader market is up less than 2% YTD. ...
September 2023 Market Commentary
What a difference a month makes. After a strong June and July, the S&P 500 is down about 3% this month so far with the NASDAQ 100 down about 4%. Small caps are down about 6%. So, while we may have seen a broadening of the market, unfortunately it has been to the...
August 2023 Market Commentary
June saw a huge increase in bullish sentiment that carried through in July. It has been a complete turnaround since the continuously pessimistic readings throughout 2022. The about-face has been so large that an investor has to ask: Are we seeing an increase in...
Monthly Updates
November 2023 Mid-Month Recap
WE WISH YOU AND YOUR FAMILY A HAPPY THANKSGIVING! It is hard for investors to gauge the trend of future inflation because of conflicting economic reports and Fed speeches. Some Fed speakers make it sound like the battle against inflation has been won. Others say...
October 2023 Mid-Month Recap
Corporate earnings season has just started for Q3, but early results are positive. Industry estimates for members of the S&P 500 indicate profits of 1.3% higher than a year earlier – a nice improvement from the second quarter’s decline of 2.6%. S&P 500 earnings,...
