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 Annual Q & A
1. What happened in September? Is this a textbook correction or the start of something worse? The pullback in stocks in September is due to a number of reasons: - Tech stocks (including the FANG+ names) had powerful gains in the summer and had to come...
The Market Is Exuberant, But Is It A Bubble?
S&P 500 performance this year has been dominated by the index’s largest components, and the disparity by cap size is great. So far this year, the 50 largest stocks in the S&P 500 are up an average 11.3% YTD through August 28th. The 50 smallest stocks are down an...
What’s In Store For Act IV
The five largest stocks in the S&P 500 (Apple, Amazon, Microsoft, Alphabet, and Facebook) have collectively added $1.66 trillion in market cap this year. The other 495 stocks in the index have lost $1.61 trillion in market cap! The average share price increase for...
Monthly Updates
The Bull and Bear Case for Stocks
Investors are entering third-quarter earnings season with bright expectations that this could propel the next leg of the stock market’s rally. After all, analysts have been lifting estimates for the quarter – a move that goes against the norm. Typically, earnings...
Physical v. Digital Stocks – Both On The Mend
The Yale School of Management runs a “crash confidence” sentiment reading (we’ve never seen this index before). The index measures how worried investors are about a stock market crash in the next six months. The Yale Crash Confidence reading suggests that individual...
