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.
Our 2020 Playbook
Last week investors were reminded of risk – geopolitical risk to be specific. Stocks quickly sold off after tension between the U.S. and Iran escalated. But we don’t remember when there wasn’t ‘tension’ in the Mideast. Individual risks such as this tend not to be...
A Higher P/E Ratio Results In A Great Year For Stocks
A Higher P/E Ratio Results In A Great Year For Stocks This year’s 25%+ YTD advance in the S&P 500 stock index is a very pleasant surprise to most investors. What accounts for the great year in stocks? About 20% appreciation came from multiple expansion (a higher...
The Bond Market Takes Center Stage
Barron’s recent fall 2019 Big Money Poll reported that only 27% of money managers are bullish on the stock market for the next 12 months, down from 46% in the spring survey and 56% a year ago. The latest reading is the lowest percentage of bulls in over 20 years. A...
Monthly Updates
Too Much Money Chasing Too Few Stocks?
We are only halfway through February, but so far 2020 looks like a repeat of 2019. How so? Large caps are outperforming small caps, growth is outperforming value, tech is the best performing sector, and the U.S. is outperforming international (for about ten years...
A Valuation Measure For Everyone
Sentiment affects valuations: Last year’s big rise in the S&P 500 was sparked more by optimism and rising sentiment (which resulted in higher P/Es) than earnings growth. Can we get another strong year of stock market performance based on rising sentiment? Let’s...
