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 Massive Melt-Up Rally
Once again, investor sentiment proved to be a good contrary indicator. At the depths of the market crash (late March), sentiment was overwhelmingly bearish. Since then, the market has had an amazing run (see main section). As people turned more positive on stocks,...
The Federal Reserve Versus Valuations
“Unprecedented” feels like an overused word these days, but it is no overstatement when it comes to the oil market. In the March mid-month commentary, we wrote that the oil supply glut could throw another gut punch to our economy on top of the coronavirus. Our worst...
Massive Stimulus Thrown At The Economy And Markets
In markets like this we look for clues in sentiment that tell us just how oversold a market may be. Sentiment indicators are contrarian indicators; that is, when they are at peak bearishness, the market is likely to rally. Currently, sentiment indicators are very...
Monthly Updates
Twelve One-Sentence Financial Rules
Within the S&P 500, we continue to see a huge performance divergence between the largest and smallest stocks. Through last Friday, the cap-weighted S&P 500 was down under just 1% YTD, but the equal-weighted index was still down more than 10%. (A cap-weighted index...
Global Contraction Is Easing
We thought we were finished seeing 1000-point moves in the Dow 30. Just when things were settling down, Fed Chairman Powell threw a hand grenade at investors last week, reminding markets that we are not out of the woods yet. His sentiments were not actually...
