Working & Saving
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As an independent investment advisor, I take pride in being the trusted steward of your wealth so you can focus on more important matters.
Retirement & Planning
Different clients. Different needs.
I can provide a degree of customization other independent investment advisors cannot with their off-the-shelf investments and third-party planning software.
I am a researcher at heart and take nothing for granted. Anything less can compromise performance and peace of mind.
- August 2020Optimizing Fixed Annuity Tax Deferral
Annuities are popular tools for retirement income planning. While stigmas exist around some annuity products (for good reason), recent research shows how fixed annuities can add value in the context of retirement income. In addition to being able to guarantee income for life, tax benefits are often advertised as a key advantage of using annuities. This article discusses the mechanics Continue Reading
- April 2020Dividends: Theory and Empirical Evidence
Building on the concepts presented in our Dividends Are Different article, here we present data and observations highlighting how dividends can protect investors from inflation and market volatility. While this content is relevant to other applications, we focus on it within the context of retirement income. When designing portfolios to provide for retirement, conventional wisdom holds that allocations to stocks Continue Reading
- November 2019Dividends Are Different
There has been abundant discussion regarding the utility of dividends. Many investment models rely on factors or other strategies in their attempt to increase returns or reduce volatility. These approaches generally focus on total returns and brush dividends under the rug. Some go further and argue specifically against dividends – occasionally likening dividend advocates to sacred cow worshippers. The low Continue Reading