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.
Another Crash In Bitcoin
The booming economy will be a tailwind for corporate revenue while much of the pandemic-era cost cutting remains in place, boosting profit margins. In fact, the S&P 500 components’ forward net profit margins stand at a record-high 12.8%, according to Yardeni...
Big Money Poll Of Professional Investors
Since the start of April, 87% of reporting companies have topped EPS forecasts, 75% have exceeded sales forecasts, 16% have raised guidance, and just 2% have lowered forecasts. Overall, S&P 500 earnings growth is currently on pace to total 44% in the first quarter,...
A Tough Quarter For Bonds – What To Do Now In Bond Portfolios
Broad participation in the stock market is indicative of a healthy bull market. Currently all eleven sectors are comfortably above their 50-day moving average which is a sign of healthy breadth across the market spectrum. Also, even though every sector is above its...
Monthly Updates
Dot.Com Versus Dot.Crypto: A Profile Of Today’s Millennial Investor
Corporate earnings are on fire. This year’s first quarter was significantly better than expectations with growth coming in at 52% yr/yr. The consensus expectation for the second quarter sits at 61%, after which earnings growth is expected to be 23% in the third...
Inflation Is Here: Transitory Or Secular
All you have to do is look around to see there is inflation pressure everywhere. We appear to be in stimulus shock. M2 has gained 26% year-over-year, the largest gain since 1943. M1, or very liquid money in circulation, is up by 316%. Fiscal spending in...
