We are Retirement Specialists devoting our entire practice exclusively to these areas of expertise.
- Retirement Financial Planning
- Investment Management
- Income Management
- IRA Rollovers
- Wealth Accumulation
- 401k Investment Management for Individuals
- Company Retirement Plans
As Retirement Financial Advisors, we use our extensive knowledge, experience, and expertise in retirement issues to guide retirees, near retirees, and wealth accumulators toward Financial Peace of Mind and Freedom to Enjoy Life. Keep reading to find out more…
Your Retirement Financial Plan is Unique to You.
Our retirement and wealth accumulation planning process is far from the typical “fill in the blank”, off-the-shelf, planning software used by the majority of retirement financial planners and brokers. We don’t rubber stamp retirement financial plans. Your plan is unique to you.
If you’re retired, our retirement planning serves as peace of mind in knowing that you are unlikely to outlive your money. If however, our analysis reveals that you’re on a collision course toward spending down your investment principal, we’ll offer a plan to stop the erosion. No one wants to end up dependent on their children.
If you’re nearing retirement, our planning process will answer your ultimate question, will I have enough income to support my retirement lifestyle, for my/our entire life, without invading principal and running out of money? We’ll factor in inflation and taxes to give you a realistic picture. If it appears that your retirement investments won’t support your desired lifestyle, either now or later, we’ll offer alternatives to potentially solve your problem. Armed with probabilities and solutions, you’ll make wise retirement decisions with heightened confidence.
If you’re accumulating wealth and are years away from retirement, we have a unique platform designed specifically for you. As your financial planner, we will assess your current financial position, then problem solve to make your puzzle pieces fit together. We’ll facilitate a platform that allows you to accumulate wealth for your future.
Financial Planning is not a standalone activity. Financial Planning without appropriately selected and managed investments that support your plan is flirting with failure. Conversely, investing without first planning is reckless. We are retirement financial advisors, integrating planning, investing, and periodic benchmarking, to keep you on a successful course throughout your retirement.
Our Expertise is Balanced Portfolio Management.
Our performance track record reflects our four principles for managing our Balanced Portfolio Strategy.
Our Four Investment Management Principles
To achieve all four of our investment management principles, at Deane Retirement Strategies we avoid investment extremes. We avoid chasing stocks that provide high returns, but come with extreme price volatility. These type of investments jeopardize principal protection and your sleeping at night. We equally avoid investments with extremely low price volatility that inevitably produce extremely low returns. These type of investments threaten your receiving sustainable income and also hedging inflation…which could result in a reduced lifestyle in the future.
To achieve our portfolio investment management goals, we use a Balanced Portfolio Strategy that blends high-quality stocks with high-quality bonds and cash. Using multiple asset classes allows us to make appropriate asset allocation shifts to potentially avoid excessive portfolio volatility and to reduce risks. We use a Balanced Portfolio Strategy exclusively; we do not manage portfolios consisting of only stocks or only bonds.
Our expertise is Balanced Style Portfolio Investment Management. We are an excellent fit for you if you appreciate the value of working with professionals who blend the long-term growth of quality stocks with the stability of principal and income provided by quality bonds. Our ultimate management goal is that “You Sleep At Night.”
You Enjoy Sustainable Retirement Income.
Our retirement income planning and management strategies are an integral part of our overall investment portfolio management. The fluctuating economy, erratic financial markets, and cost-of-living escalations all require a hands-on, individualized approach to managing your portfolio’s cash flow generation and distributions. Our goal is to provide you with predictable, sustainable income, when you are ready for it, while still preserving and growing your portfolio so you won’t out-live your money.
We differ from most other retirement financial advisors who, rather than actively managing your portfolio’s cash flow, rely upon mutual funds or annuities as a passive income provider or in the worst case, provide no income management at all. For example, mutual funds simply liquidate enough of your fund shares at the current market price to fulfill your monthly cash flow request. This is called a passive, “systematic investment liquidation”; not to be confused with our active retirement income planning and management.
How We Actively Manage Your Income Needs:
- Our income management strategies provide you with sustainable, monthly cash flow regardless of when the investment income is received in your portfolio.
- We strategically harvest your portfolio’s capital gains and incorporate some of them into your monthly cash flow, while reinvesting the rest for additional portfolio growth and a hedge against inflation.
- During periods of negative stock market performance, our long range income-stabilization strategies have historically allowed monthly cash flow distributions to remain unchanged.
- You may withdraw principal from your portfolio to meet unanticipated capital needs. We will strategically liquidate assets to minimize the impact on your portfolio.
At Deane Retirement Strategies, we vigilantly monitor and align your investment portfolio to accommodate your changing retirement income needs, always mindful of both inflation and the preservation and growth of your investment. As Retirement Financial Advisors, we actively manage your retirement income.
Integrate Your 401k Into Total Portfolio Management.
Most investors treat their assets in their company’s 401k plan as a stand-alone portfolio, or they orphan it, or their advisor is unable to manage it. We manage your individual 401k plan investments in total integration with your personal investment portfolio.
If your company’s 401k plan has a “self-directed brokerage” option (such as Fidelity’s BrokerageLink or Schwab’s Personal Choice Retirement Account/PCRA, among others) and your plan has online account access, we are able to provide you with individualized, integrated 401k portfolio management, within your employer’s plan. This allows your 401k investments to remain in the plan but to be managed separately, using high quality, individual stocks, individual bonds, and ETFs, under our Balanced Style Management Strategy.
Professional 401k investment management, using investments other than your plan’s mutual funds, has certain advantages over self-directing your 401k using only your plan’s fund menu, such as diversification and professional guidance beyond your calling the plan’s 800 Hotline for investing assistance.
Deane Retirement Strategies manages your 401k portfolio on a “Fee-Only” (commission free) basis. In the majority of instances, our all-inclusive management fee is lower than your current 401k plan expenses. Every plan mutual fund you invest in passes along their “behind the scenes” expenses to you; mutual fund fees and expenses typically range from 0.50% – 2.00% annually. Since we do not use mutual funds of any nature in managing your 401k portfolio, you avoid these internal mutual fund expenses.
Professional, discretionary 401k investment management frees you of the day-to-day frustration and distractions associated with self-managing your 401k and allows you to concentrate your time and energy on your career successes.
We are Experts in 401k into IRA Rollovers.
We’ve specialized in 401k rollovers into IRAs since their inception in 1975. The laws, taxes, and penalties governing withdrawals from retirement plans and IRA rollovers are among the most complicated in the Internal Revenue code.
Our extensive knowledge of the advantages and disadvantages of IRA rollovers make us experts in guiding near retirees through their financial transition into retirement. Transitioning into retirement can be frustrating, confusing and often intimidating. Once you sign on the dotted line with your company, there are no “do-overs” with your retirement plan options or with the IRS.
As your retirement financial advisor, we can help you navigate your financial transition into retirement. We’ll begin your financial transition process with discovery and assessment meetings to validate that your investment portfolio, coupled with your other income sources, will support your retirement lifestyle for a lifetime, factoring in inflation and taxes. We will formulate viable solutions in support of your retirement vision.
The mechanics of a rollover of your 401k into an IRA must be 100% correct to avoid IRS penalties and taxes. Our team will quarterback your IRA rollover from start to finish. We’ll speak with your human resources rep or your plan custodian to obtain information; we speak their language. We’ll oversee your rollover paperwork or rollover phone requests. We’ll monitor your entire rollover process until your company plan proceeds are deposited into your IRA and invested according to the parameters that we established together. Monthly cash flow from your IRA rollover portfolio can begin almost immediately, assuming you’re ready to receive income.
Deane Retirement Strategies integrates retirement planning, rollover 401k into IRA mechanics, and IRA rollovers’ investment management as your bridge to retirement. Our expertise as Retirement Advisors could make a dramatic difference in your style of living once you’re no longer getting a paycheck.
Our Unique Wealth Accumulation Platform.
Our Wealth Accumulation Platform is specifically designed to benefit you if you, first, have at least five to ten more years of working life. Second, you are an aggressive saver who can diligently contribute (along with your employer’s contribution, if available) a minimum specified amount annually to your and/or your spouse’s 401k, 403b, 457, IRA, Roth IRA or personal investment account.
You’re probably focused on powering your career, parenting and family priorities, or perhaps buying an upscale home. With so many responsibilities on your plate, you probably don’t have either the time or the vision to consciously build your wealth.
As your Wealth Accumulation Financial Advisor, we can help you bring order to your financial responsibilities. We’ll begin by assessing your current financial position and then problem solve to make all your financial puzzle pieces fit together.
Our role, as your Wealth Accumulation Financial Advisor, is to optimize your portfolios’ growth in the up markets and limit your losses in the down markets. Our astute investment management, as your Wealth Accumulation Financial Advisor, encompasses asset allocation and investment selection. You’re relieved of day-to-day investment research and decisions.
Guided by your personally designed financial plan; with your monthly, quarterly, or annual investment contributions on auto pilot; and with the management of your 401k, IRA, and personal investments delegated to us for professional management, you’re free to concentrate on those things in life most important to you. With our assistance, as your Wealth Accumulation Financial Advisor, you’re on your path toward reaching your goal of a $1,000,000 or greater investment portfolio by retirement. Enjoy the peace of mind associated with building wealth now, to have enough when you’re ready for it later in retirement.
Professional Investment Management for
Everyone in Your Company’s 401k Plan
We professionally manage all of the investments in your company’s 401k plan as a single, pooled portfolio, exclusively for your company’s 401k plan. Your plan assets are not comingled with other companies’ 401k plan assets.
Pooling 401k plan funds and having the investments professionally managed on a discretionary basis is not a new concept. In fact, it is simply returning to the management style exclusively used by 401k plans before the mutual fund industry introduced and promoted “individual, participant self-directed” 401k accounts.
While your company’s 401k plan investments are collectively managed, each plan participant receives statements of their individual 401k account value, their contributions, any employer contributions, and their net gain or loss in investment value. Your company plan administrator and/or investment committee receives identical individual participant and total plan statistics, and also has the ability to see, at anytime in real-time, the investments held in your plan’s pooled portfolio. Your employees are kept well informed, but totally relieved of their investing burden. Your company is kept well informed and, more importantly, is substantially relieved of its 401k plan ERISA fiduciary investment duties to your employees. Read about how we manage Company 401k Plans