This document summarizes the strategies and services of Singer Financial Group. They aim to create substantial and sustainable advantages for clients' financial portfolios through strategies that protect principal, retain gains, and guarantee income. They emphasize downside protection using "Finsurance" strategies that blend finance and insurance, such as equity-indexed annuities. Their goal is to help clients enjoy retirement without losing money or running out of money using a "Fortress Balance Sheet" approach.
• Infrastructure—the other big fix
• What is the stock market saying about earnings?
• As short-term markets thaw, bond investors focus on long-term risk
• Hedge funds suffer their worst month ever
• Does a $1 trillion deficit matter?
• Q&A: Sizing up Obama’s policies and politics
Can Small Cap Stocks Weather the Storm?Susan Langdon
With recession concerns intensifying in the wake of the COVID-19 pandemic, investors may be wondering whether small cap stocks are poised to struggle. Are small companies more vulnerable now than they have been during other periods of economic distress? And what are the implications for the size premium?
Financial Synergies Q2 2015 Newsletter discusses many aspects of the current market conditions and our Financial Times recognition as one of the top 300 RIAs in the nation.
• Infrastructure—the other big fix
• What is the stock market saying about earnings?
• As short-term markets thaw, bond investors focus on long-term risk
• Hedge funds suffer their worst month ever
• Does a $1 trillion deficit matter?
• Q&A: Sizing up Obama’s policies and politics
Can Small Cap Stocks Weather the Storm?Susan Langdon
With recession concerns intensifying in the wake of the COVID-19 pandemic, investors may be wondering whether small cap stocks are poised to struggle. Are small companies more vulnerable now than they have been during other periods of economic distress? And what are the implications for the size premium?
Financial Synergies Q2 2015 Newsletter discusses many aspects of the current market conditions and our Financial Times recognition as one of the top 300 RIAs in the nation.
Stop Wasting Your Money & Start Having a Better Investment ExperienceAndreas Scott, CFP®
To have a better investment experience, people should focus on the things they can control. If you follow these ten steps you will have a better investment experience.
Five years after the worst economic crisis of our lifetimes, we are still feeling the after-shocks around the world.
Our recent financial past seems to herald one certainty for our collective
financial future: The investment world we grew up with has changed utterly.
Conventional wisdoms shaped by decades of high-return investing — first in equities from 1982 to 2000, then in fixed income markets over most of this century — need to be reexamined, revised, or even scrapped.
Did you know that 45,000 businesses in the United States fail each month? And that 44 percent of small businesses used credit cards as a source of financing in 2008, compared to 16 percent in 1993, according to the Small Business Administration? Learn how to take a proactive approach to managing your debt and creating cash flow with out borrowing money. Join the National Restaurant Association, Nation's Restaurant News and SettleSource, Inc. for this free one-hour event. Learn more at http://bit.ly/dqfzkI .
A look at how we got into this mess of a financial meltdown, what to do in the midst of it, and how to capitalize going forward. This presentation illustrates the need of hiring a professional advisor to help you manage your emotions during times of uncertainty.
Wouldn't you like to know how you can stop relying on banks and become your own source of financing?
This presentation will help explain how you can make this happen, especially with big ticket items such as college costs, cars, home improvements, vacations, etc.
So the question is - how much money could you have by becoming your own source for financing?
Stop Wasting Your Money & Start Having a Better Investment ExperienceAndreas Scott, CFP®
To have a better investment experience, people should focus on the things they can control. If you follow these ten steps you will have a better investment experience.
Five years after the worst economic crisis of our lifetimes, we are still feeling the after-shocks around the world.
Our recent financial past seems to herald one certainty for our collective
financial future: The investment world we grew up with has changed utterly.
Conventional wisdoms shaped by decades of high-return investing — first in equities from 1982 to 2000, then in fixed income markets over most of this century — need to be reexamined, revised, or even scrapped.
Did you know that 45,000 businesses in the United States fail each month? And that 44 percent of small businesses used credit cards as a source of financing in 2008, compared to 16 percent in 1993, according to the Small Business Administration? Learn how to take a proactive approach to managing your debt and creating cash flow with out borrowing money. Join the National Restaurant Association, Nation's Restaurant News and SettleSource, Inc. for this free one-hour event. Learn more at http://bit.ly/dqfzkI .
A look at how we got into this mess of a financial meltdown, what to do in the midst of it, and how to capitalize going forward. This presentation illustrates the need of hiring a professional advisor to help you manage your emotions during times of uncertainty.
Wouldn't you like to know how you can stop relying on banks and become your own source of financing?
This presentation will help explain how you can make this happen, especially with big ticket items such as college costs, cars, home improvements, vacations, etc.
So the question is - how much money could you have by becoming your own source for financing?
TFJ: The Mortgage Market is Still Heading Into the WoodsJoe Morgan
"Thoughts from Joe" is a weekly news summary and commentary from Joe Morgan, CIO of SVB Asset Management, a member of SVB Financial Group and wholly owned subsidiary of Silicon Valley Bank
Securities Firms and Investment Banks.docxjeffreye3
Securities Firms and Investment Banks
Securities Firms and Investment Banks (IBs)
Investment banks (IBs) help corporations and governments raise capital through debt and equity security issues in the primary market
Underwriting is assisting in issuing new securities
IBs also advise on mergers and acquisitions (M&As) and corporate restructuring
Securities firms assist in the trading of securities in secondary markets
Broker-dealers assist in the trading of existing securities
2
Investment bankers assist borrowers in raising capital in debt and equity markets and provide advice about mergers and acquisitions, corporate restructuring and general assistance in finance. Bankers also provide many creative over the counter derivative products. Securities firms provide brokerage and market making services. The investment banking and securities industries are complementary and many firms provide a broad range of services. Some specialized entities with advantages in certain market niches remain less diversified. The industry underwent tremendous consolidation in the last decade due to increasing scale and scope economies and the need for greater capital. The face of the industry was changed forever during the financial crisis of 2007-2008 with forced buyouts of Merrill-Lynch and Bear-Stearns, failure of Lehman Brothers and Goldman-Sachs and Morgan Stanley becoming commercial banks. Nevertheless, working for many of these firms is often considered the penultimate finance career, with prestige and remuneration to match. With industry profits down, firms on the Street are having a difficult time maintaining their large salaries and bonuses. A very significant portion of profits are paid out in the form of remuneration to executives. The chapter presents an overview of the size of the industry and the general strategies of the participants, major activities, primary assets and liabilities on the balance sheet, recent in the news events concerning breaches of ethics and the trend toward globalization.
Size, Structure and Composition of Industry
The size of the industry is usually measured by the equity capital of firms rather than total asset size
Equity capital in the industry in 2015 was $235 billion
The number of firms in the industry changed due to economies of scale and scope, losses with the economy, scandals at some firms, and regulations that allowed both inter- and intra-industry mergers
5,248 firms in 1980
9,515 firms in 1987
6,016 firms in 2006
4,115 firms in 2016
As with commercial banks, consolidation has largely occurred through mergers and acquisitions
.
Securities Firms and Investment Banks.docxkenjordan97598
Securities Firms and Investment Banks
Securities Firms and Investment Banks (IBs)
Investment banks (IBs) help corporations and governments raise capital through debt and equity security issues in the primary market
Underwriting is assisting in issuing new securities
IBs also advise on mergers and acquisitions (M&As) and corporate restructuring
Securities firms assist in the trading of securities in secondary markets
Broker-dealers assist in the trading of existing securities
2
Investment bankers assist borrowers in raising capital in debt and equity markets and provide advice about mergers and acquisitions, corporate restructuring and general assistance in finance. Bankers also provide many creative over the counter derivative products. Securities firms provide brokerage and market making services. The investment banking and securities industries are complementary and many firms provide a broad range of services. Some specialized entities with advantages in certain market niches remain less diversified. The industry underwent tremendous consolidation in the last decade due to increasing scale and scope economies and the need for greater capital. The face of the industry was changed forever during the financial crisis of 2007-2008 with forced buyouts of Merrill-Lynch and Bear-Stearns, failure of Lehman Brothers and Goldman-Sachs and Morgan Stanley becoming commercial banks. Nevertheless, working for many of these firms is often considered the penultimate finance career, with prestige and remuneration to match. With industry profits down, firms on the Street are having a difficult time maintaining their large salaries and bonuses. A very significant portion of profits are paid out in the form of remuneration to executives. The chapter presents an overview of the size of the industry and the general strategies of the participants, major activities, primary assets and liabilities on the balance sheet, recent in the news events concerning breaches of ethics and the trend toward globalization.
Size, Structure and Composition of Industry
The size of the industry is usually measured by the equity capital of firms rather than total asset size
Equity capital in the industry in 2015 was $235 billion
The number of firms in the industry changed due to economies of scale and scope, losses with the economy, scandals at some firms, and regulations that allowed both inter- and intra-industry mergers
5,248 firms in 1980
9,515 firms in 1987
6,016 firms in 2006
4,115 firms in 2016
As with commercial banks, consolidation has largely occurred through mergers and acquisitions
.
21st Century Strategies for Financial InclusionJon Gosier
The wealth of black american households was decimated in 2008. This white paper outlines a strategy on how to structure new instruments for investment for black americans and other minority communities.
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
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If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Resume
• Real GDP growth slowed down due to problems with access to electricity caused by the destruction of manoeuvrable electricity generation by Russian drones and missiles.
• Exports and imports continued growing due to better logistics through the Ukrainian sea corridor and road. Polish farmers and drivers stopped blocking borders at the end of April.
• In April, both the Tax and Customs Services over-executed the revenue plan. Moreover, the NBU transferred twice the planned profit to the budget.
• The European side approved the Ukraine Plan, which the government adopted to determine indicators for the Ukraine Facility. That approval will allow Ukraine to receive a EUR 1.9 bn loan from the EU in May. At the same time, the EU provided Ukraine with a EUR 1.5 bn loan in April, as the government fulfilled five indicators under the Ukraine Plan.
• The USA has finally approved an aid package for Ukraine, which includes USD 7.8 bn of budget support; however, the conditions and timing of the assistance are still unknown.
• As in March, annual consumer inflation amounted to 3.2% yoy in April.
• At the April monetary policy meeting, the NBU again reduced the key policy rate from 14.5% to 13.5% per annum.
• Over the past four weeks, the hryvnia exchange rate has stabilized in the UAH 39-40 per USD range.
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
1. Protect Your Principal - Retain Your GainsMitigate Tax - Guarantee Your Income Our Goal To create a substantial, sustainable, structural advantage for your financial portfolio.
2. Disclosure and Disclaimer Any yield or return figures or examples appearing in or referred to in this presentation, are for illustrative purposes only, and are not intended to represent, predict or guarantee the future or past performance of any financial product. Brian Singer is not licensed to render any advice about purchasing, selling, liquidating, surrendering, replacing, or withdrawing securities; including tax consequences and any possible related fees or charges associated with such securities transactions. Singer Financial Group 480 E Northfield Dr– Suite 300 Brownsburg, IN 46112 317-852-9153 www.singerfinancialgroup.com Email: bsinger@singerfinancialgroup.com
3. FINANCIAL NEWS ALERT! If what you believed to be true about your money wasn’t, when would you want to know??
4.
5. Institutions, mutual fund managers, hedge fund managers, stock brokers, investment bankers (what we call loosely, Wall Street)“Wall Street has become a casino with the only winners being the croupiers—the traders, the brokers, the investment bankers, and the money managers who facilitate the trades [bets]. Wall Street creates a whole lot of ‘innovation’ products that are designed to enrich the marketers and not the buyers, and that’s what the industry is all about. There is too much cost in this industry and not nearly enough value; too much speculation and too much complexity.”
6. “Entrepreneurs or international conglomerateurs, or large financial institutions buy or create mutual fund management companies to create a return on their own capital. It's capitalism at work, where the rewards tend to go to the managers rather than the investors”. The average mutual fund returns 2% less per year than the stock market returns in general. So, what are the chances of an investment advisor picking the winning funds for his/her client? Mutual fund investors are hit with annual management fees as well as 12b-1 “marketing” fees ranging from .25 to 1.00%. Every time a mutual fund manager sells a stock at a profit, you may get hit with the tax bill, even if the fund or your account lost money for the year. Most mutual fund stock positions can represent no more than 5% of the entire portfolio; therefore when a stock starts to soar, the manager has to sell the “winners”, creating capital gains taxes for investors whether you’ve been invested for years or days. When another investor wants to bail out of your fund, the cash redemption comes from cash on hand and the sale of stocks. Cash on hand drives down performance, while the sell off of stocks increases the tax bill of those investors who stay in the fund. A dollar set aside for redemption requests is a dollar not invested.
7. Dec 7, 2010 Paul Farrell, PhD has been a MW columnist since 1997 and has published more than 1,400 columns plus nine books. Previously he was an investment banker with Morgan Stanley; Executive Vice President of the Financial News Network; and head of the Crisis Management Group. “Do not buy stocks. Not for retirement. Not in the coming decade. Don’t! Huge risks!” Peter Morici, former chief economist at the International Trade Commission: America’s divided into two stock markets: one for Wall Street’s rich insiders, another for Main Street’s suckers. (FT – 12-17-10) FBI arrests 4 people in connection with its long-running investigation into insider trading on Wall Street. New ‘big short’ dead ahead: Derivatives con game will crash again. In a Bloomberg story, “Big Short” author Michael Lewis says; WS insiders have no intention of ceasing their prop trading, They are merely disguising the activity, by giving it some other name. Morici goes on to say, J.P.M. and BoA went through the entire third quarter without a negative trading day, no losing days on proprietary trades. Unless you believe in perfection, something stinks…. If someone is winning all the time, then someone else is losing. That’s the ordinary investor. Stocks have become a rigged game. Farrell – Stocks are a sucker bet at Wall Street’s rigged casino. Buy stocks and lose. In fact, you’ll probably lose more that 20% when the third meltdown of the 21st century explodes. Bigger losses than in 2000 and 2008 combined.
11. Real Historical Returns S&P 500 Dow Jones 40 Year – 6.65% 20 Year – 7.27% 15 Year – 5.15% 10 Year – 1.85% 5 Year - 1.32% 40 Year – 6.58% 20 Year – 7.34% 15 Year – 4.66% 10 Year – 0.98% 5 Year - -0.25% * Source: financial.yahoo.com, as of 3/20/2011. Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly. These returns do not include dividends.
12. Our financial system is complex, complicated, inter-connected, and fragile. You haven’t seen your last “Crisis”. “The Crisis” Who or what can we blame?
13. Wall Street’s financial alchemy fueled the financial meltdown. Synthetic CDOs spread the sub-prime mortgage problem to thousands of institutions that bought “fantasy” financial derivatives based on those mortgages. It’s possible we would have avoided the economic meltdown were it not for synthetic derivatives that also crashed along with housing prices.
14. 1) Banks create CDO’s from RMBS2) Banks often retain the “Super Senior” (highest rated) top tranche3) The bottom portion “Equity” is often sold off to hedge funds, pension funds, other banks4) The middle portion or “Mezzanine” often goes into new CDOs The main buyers of those new CDOs are often the same banks A CDS would pay off as these CDOs defaulted
15.
16. 09/15/08–BoA buys Merrill Lynch for $50 billion. For the previous four quarters, ML has posted losses totaling $17 billion.
19. 09/21/08 – The Federal Reserve Board approves applications of investment banking companies Goldman Sachs and Morgan Stanleytobecome bank holding companies.
22. In a financial collapse, it is likely that the Life Insurance Industry would be second only to the U.S. Government to fold. The Five Pillars of Safety: 1. Legal Reserve System (solvency ratio) 2. State Guaranty Funds 3. Reinsurance 4. Holding companies 5. Strict regulatory investment practices Reality Check!!
23. Center for Retirement Research at Boston College – October 2010 Report The National Retirement Risk Index (NRRI) (Measures the share of American households ‘at risk’ of being unable to maintain their pre-retirement standard of living in retirement) To achieve real security in retirement, households need to get as much as possible out of their nesteggs in the drawdown period. Annuities guarantee that households do not outlive their money. Aninflation-indexed annuityprotects a household’s purchasing power. Annuities provide more monthly income than other approaches, such as the “4-percent rule” or living off the interest on assets.
24. The Ultimate Roth StrategyCan you name a principal protected asset class that beats this over the last 1, 3, 5, or 10 years? Tax free?!?! Index Growth & Index Credits for Month Ending 02/28/2011 Above data is for illustration only, and does not guarantee future or past performance
25. What’s luck have to do with it? What if you retire at the wrong time?!?Consider the following hypothetical “Sequence of Returns” example: John and Bob both had the same $100,000 when they retired and planned to withdraw the same 5% amount, with annual adjustments for inflation.
28. The "probability of retirement ruin" when drawing 5% on a 50% equity portfolio is about 89%.
29.
30. 1210 Year 1 $110,000 1100 1000 Year 4 $133,100 660 Year 3 $121,000 What goes up doesn’t have to come down!What if every year the market went down, you could demand your money back, and then reinvest at the lower price?How an FIA functions Year 2 $121,000 Day 1 $100,000 600
31. How Do They Do It? Finsurance "It's the triumph of financial engineering” Initial Premium Deposit 10% 85% 5% Spread Insurance Company expenses & PROFIT Minimum Contract Value The Insurance Co purchases T-bills & investment grade bonds to provide the principal guarantees in the FIA contract. Index Return Insurers purchase Call Options on a market index, such as the S&P 500 (at a negotiated price due to the high volume). When the index value is higher at the expiration of the strategy term, market linked interest is credited to the FIA. If the index price is lower at expiration, the option expires with no negative impact to the Insurance Co or FIA owner. Heads I win! Tails I don’t lose!
32. “We have got to have a fortress balance sheet! Every five years or so…something bad will happen.” Jamie Dimon– CEO , JPMC A Fortress Balance Sheet Five Keys To Financial Longevity 1) Protect your money – lock out losses 2) Grow your money – lock in gains 3) Turbo-charge the growth 4) Re-insure the growth 5) Mitigate the tax Finsuranceprovides a substantial, sustainable, structural advantage for your financial portfolio
33. The need for…. “Guarantees” and “Safety” “Rule No.1: Never lose money. Rule No.2: Never forget rule No.1.” – Warren Buffett Eight critical lessons from the crisis…. Be ready for the next one – “Fortress Balance Sheet” – you haven’t seen your last serious financial crisis. Choose to know.Be your own lifeguard! Know that hubris kills judgment. Volatility doesn’t have to be a bad word, IF you have a strategy/process to capture the good market volatility and avoid the bad. Your retirement plan must include a personal pension plan that will protect your principal, retain your gains, and guarantee your income. Identify someone or something you can put your faith in, then trust, but verify. Validate and then act! Change isn’t always better, but better always means change. Risks, both hidden & disclosed, are an inherent component of any financial instrument or advice offered through Wall Street. Use heads I win, tails I don’t lose strategies! Protect Your Principal – Retain Your Gains – Guarantee Your Income
37. Does a Fortress Balance Sheetconcept make sense to you?Protect Your Principal – Retain Your Gains – Guarantee Your Income A properly designed ABCPlan will assure you never lose money, and never run out of money in retirement! Implement your planwith someone you can trust!
38. We help successful people and their families, enjoy the journey to, and through retirement!Email bsinger@singerfinancialgroup.com or call 317-852-9153 www.singerfinancialgroup.com