Investment Management

Are you comfortable watching your investment accounts, IRAs and Trust accounts, lose 20%, 35% or even more? Perhaps not. Especially considering major market declines can take longer to recover than you have time remaining until your investment savings is needed to provide income in retirement.

Do you have a strategy to help mitigate and protect your accounts when these times occur? Would you feel better knowing you have an Exit Strategy? We do.

We have rules-based strategies that inform us when it's time to reduce market exposure and rules to guide us when it's favorable to add market exposure. We realize we have no control over how high markets go or how fast. We do have input into how much in losses to suffer. Instead of the "Buy and Hold" mantra, we like to operate under, "Buy and be Smart".

Using rules as guides prevents us from trying to time the market and also helps prevent us from letting emotions interfere, striving to keep long-term goals and portfolio returns on track.

These Strategies are customized to align with your Risk tolerance. From a conservative growth approach to a more aggressive growth approach, we will match a strategy that's right for you.

At TPWA, we firmly believe in establishing an investment strategy that aligns with your risk tolerance, time horizon, and overall goals. We consider active risk management strategies crucial to work toward mitigating devastating effects of multi-year negative markets. This is what we feel separates us from the typical financial adviser that may reply "hang in there," or " this is for the long run, you will be okay “. Although many of these phrases may sound good, what’s also true to remember is when your portfolio is down 20%, you need a 25% return to get back to even, and should your portfolio go down in value by 50%, you need a 100% return to get back to even. Can you wait 10 years to get back to even? It's our belief that if you limit the downside (which you control) the upside (which you do not control) will take care of itself.

Taking income from investment accounts while in retirement necessitates protecting from multi-year negative returns. The danger in what is called negative sequence of returns in retirement income planning is real. Nobody wants to risk potentially running out of money. Going back into the workforce after retiring should only be something one wishes to do, not have to do because of poor investment risk management.

No strategy assures success or protects against loss.