Recent Commentary

The Folly Of Forecasting

Last year’s zeal for risky investments was epitomized by the run-up in cryptocurrencies.  For example, bitcoin quadrupled in value.  The surge in bitcoin was driven by individual and institutional investors alike, many wading into the market for the first time. Over...

read more

The New Bull Market At Dow 30,000

THE NEW BULL MARKET AT DOW 30,000 It took less than four years for the Dow Jones Industrial Average to climb from 20,000 to 30,000 (Jan 2017 – Nov 2020).  This is remarkable given the volatility over this same time period, including a few plunges to the downside.  ...

read more

COVID-19 Resurgence

So far in 2020 we have had a pandemic, a recession, an impeachment trial of a president, social unrest, and a contentious presidential campaign.  The coming year could be just as eventful.  What do institutional money managers think about such an uncertain environment...

read more

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...

read more

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...

read more

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...

read more

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,...

read more

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...

read more

Archives

Knowledge – Results

Experts in Risk Management

Are you prepared for the next market correction or financial crisis?

Knowledge – Results

Experts in Risk Management

Are you prepared for the next market correction or financial crisis?

Knowledge – Results

Experts in Risk Management

Are you prepared for the next market correction or financial crisis?

Knowledge – Results

Experts in Risk Management

Are you prepared for the next market correction or financial crisis?

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.

Get Started

Professional Expertise

Leadership Team

Richard Furmanski

Richard Furmanski

CFA

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.

View full bio

Mary Ellen Adam

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.

View full bio

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?
We take great care in purchasing only high-quality stocks and bonds intent on a multi-year holding period. Portfolio turnover and taxable realized gains are modest in comparison to other active managers. We do not time the market but will become more defensive, in terms of stock holdings, when market conditions warrant.
Will the portfolio be managed in accordance with my financial goals?
Yes. Each of our clients has a custom-tailored portfolio. These custom portfolios are designed to meet specific client objectives with a thoughtful approach to specific constraints such as risk tolerance. And as each client’s situation changes, the portfolio does as well. There is no cookie cutter approach.
What kind of expertise do you have and how can that help me in difficult markets?
We have been working with high-net-worth clients like you since 1982. Over that time we have helped them to navigate several bear markets and financial crises (including the stock market crash of 1987). We hold the Chartered Financial Analyst (CFA) and Certified Financial Planner (CFP) designations.
Are you sensitive to taxes when managing portfolios?
Yes. Our holding period for an individual stock averages 4 plus years which means our turnover is low and realized gains can be carefully managed. Further, where possible, we tax loss harvest small losses as a way of offsetting gains taken elsewhere in the portfolio.
How have you performed?
Results will differ by client and the level of customization but we have provided competitive investment returns for many years.
How do you charge for your services?
We charge a management or consultant fee based upon the size and level of customization of the account. As the account grows, we benefit together.

Recent Commentaries

Stay up to date with all of our latest comments and analysis.

May 2025 Market Commentary

Earnings season has been strong. The results could have sparked more bearishness, but instead have generally been a...

December 2023 Market Commentary

  During this holiday season, we want to thank you for your friendship and trust in us.  Our best wishes to you for a Merry Christmas and Happy Hanukkah!   We follow the U.S. housing market closely because housing is such a significant part of our economy....

November 2023 Market Commentary

October was the third straight lousy month for stocks with the S&P 500 down about 3% through yesterday.  Both the S&P 500 and NASDAQ entered correction territory late last week.  Small caps (Russell 2000) are down about 18% from their high in July and down 32%...

October 2023 Market Commentary

We may be in a bull market, but outside of the mega-caps in the S&P 500, it has been a flat year for the stock market. The S&P 500 is up a rosy 11.7% through September, but the median S&P 500 stock is up just 0.4% YTD.  And the broader market is up less...

Monthly Updates

March 2024 Mid-Month Recap

The U.S. stock market is overbought in the short-term and a near-term pullback can never be ruled out, especially in mega-cap tech land.  Regarding the Fed, the late December 2023 pivot has helped, but this rally is about much more than the Fed (we suspect...

January 2024 Mid-Month Recap

Even though last week’s CPI (consumer price index) came in hotter than expected, we would argue against interpreting results as a notable uptick in inflation. “Supercore” (which strips out a range of very volatile categories) continued to trend weaker.  We were happy...

As a current or near term retiree you have real concerns…

We provide dedicated solutions
Contact Us