I am a Registered Investment Advisor and investment manager who works with Plan Sponsors, Individuals, Institutions and Advisors. I provide complete and detailed financial and retirement planning. I also create and manage several low cost portfolios that are factor based and risk managed. I ...more

I am a Registered Investment Advisor and investment manager who works with Plan Sponsors, Individuals, Institutions and Advisors. I provide complete and detailed financial and retirement planning. I also create and manage several low cost portfolios that are factor based and risk managed. I develop Retirement planning that covers current and future net worth, expenses, insurance needs, college planning, estate planning, survivor planning, debt management, what if analysis on retirement dates and savings rates, and social security maximization calculations. I provide a comprehensive report showing all details including a monte carlo simulation technique to determine probability of making your goals. I also provide professional style investment management designed to maximize future returns and manage risk. We are an ETF strategist with 7 portfolios that include endowment style asset allocation techniques and fundamental and technical analysis to determine best securities and allocations. These funds are actively managed and rebalanced at least every quarter. They appear on Morninstar Research. These portfolios have been used in 401k plans where I worked as a 3 (38) fiduciary advisor. I also provide sub-advisory services for advisors. I also provide Cash Balance plans and manage the accounts. My experience includes many years with S&P Compustat providing computer based and detailed company investment data to the top institutional portfolio managers. My clients included firms such as Fidelity where I supplied data to the Magellan fund to screen and find the investments that met their criteria. I learned much about institutional investment research and portfolio management that I bring to my clients. I have an MBA in finance. And, to provide clients with fiduciary advisory services I have a CFP designation since 1992 and years of experience concentrating on retirement planning for individuals and businesses.less