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.
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...
July 2023 Market Commentary
While the consumer price index (CPI) has fallen from 9% to 4% year-over-year, the producer price index (PPI) has been more volatile on both the upside and subsequent fall. (The CPI measures inflation to consumers or end-users. The PPI measures wholesale price...
June 2023 Market Commentary
We mentioned in our May commentary that the main theme for the next bull market could very well be Artificial Intelligence (AI). Although fundamentals and valuation metrics lead us to believe we are not yet in a new bull market, no one has told investors in AI...
Monthly Updates
August 2023 Mid-Month Recap
The Q2 earnings season is about over. The big story has been the selling we have seen of stocks after they report. The average stock has fallen 0.71% on its earnings reaction day, the worst in 10 years. The reports themselves were quite good. Entering earnings...
July 2023 Mid-Month Recap
The June CPI (consumer price index) was released last Wednesday. The readings came in at 0.2% month-over-month for both headline and core. We tend to focus more on the headline number that includes food and energy, two important components of consumer spending. On a...
