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.
GameStop Fades – We’ve Seen This Movie Before
Throughout the broad uptrend off the March 2020 lows, we have seen different sectors take on leadership roles at various points in time. The broader the base of advancing stocks, the healthier the market. It is not just FANG+ leading the charge. Value stocks have...
The Folly Of Forecasting
Last year’s zeal for risky investments was epitomized by the run-up in cryptocurrencies. For example, bitcoin quadrupled in value. The surge in bitcoin was driven by individual and institutional investors alike, many wading into the market for the first time. Over...
The New Bull Market At Dow 30,000
THE NEW BULL MARKET AT DOW 30,000 It took less than four years for the Dow Jones Industrial Average to climb from 20,000 to 30,000 (Jan 2017 – Nov 2020). This is remarkable given the volatility over this same time period, including a few plunges to the downside. ...
Monthly Updates
Keeping An Eye On Inflation
Here are a few of our favorite market internal indicators that are confirming the all-time highs in stocks. The first one, the cumulative advance/decline line (breadth), is rising along with stock prices, a healthy sign. Second, high-yield bond spreads (the spread in...
Value Is Where You Find It
More and more investors think we are in an epic stock market bubble. They may be right, but we won’t know until after the fact. There are a few important differences between now and the dot.com bubble of 20 years ago. First, 2000’s high valuations were based on...
