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.
Reasons To Remain Optimistic As The Stock Market Makes New Highs
Earnings results are deteriorating as earnings season rolls on. Beat rates are less than the last two quarters but still remain above average. Both revenue and EPS misses are being punished. Individual stocks have been down 3.2% on average for a miss on earnings...
Our Annual Q & A
Q. If the government shuts down on October 1st, are stocks in for a rough patch? Goldman Sachs recently concluded that U.S. government shutdowns generally have not meaningfully impacted equity returns. In the 14 government shutdowns since 1980, the S&P 500 posted...
Make Hay While The Sun Shines: A Summary Of Our Outlook For Stocks
Fed Chair Powell's speech last Friday at the Jackson Hole economic policy symposium is key for investors to gauge short and intermediate-term monetary policy. The bottom line is that easy monetary policy will remain for some time to come. The large number of hawks on...
Monthly Updates
The Earnings Boom
We sincerely appreciate our relationships with clients and friends and want to say thank you during this joyous season. May your holidays be bright. We wish you the best in 2022. Pundits have been quick to point out that inflation could be a major roadblock to...
Interest Rates At 5,000 Year Lows
Pavilion Global Markets recently did a study on the source of stock market returns over the last decade. According to Pavilion, the decomposition of returns for the S&P 500 breaks down as follows: 31.4% from earnings 7.1% from dividends 21.0% from multiple expansion...
