Motorcycles and Mud Holes

This last weekend I took my four boys out to ride motorcycles on a dirt track.  This is one of their favorite things to do, going fast and getting dusty.  The dirt track we rode at had some drainage issues that created a few problem areas.  The water had collected in low spots and turned into some pretty big mud holes. One of my boys enjoy going through the mud holes as fast as they can. Mud splashes everywhere, coating their bikes and himself in a suit of brown.  This always makes for a lot more work cleaning up after a ride, but he likes it.  Most reasonable people try to avoid the big mud holes by slowing down and going around them. It’s an annoyance, but just something you just put up with.  The problems could be fixed by moving a lot of dirt around and changing drainage paths.  This process takes some effort and can be time consuming for the track owners.  Instead of taking the time to fix it, they’ve chosen to leave it and let riders live with it.

This got me to thinking about how many “mud holes” are out there slowing down investor’s retirement plans.  This would include things like excessive fees & commissions, low returns, poor investment decisions, inflation, market volatility and unnecessary taxes.

If fact, I just had a conversation the other day with one of my clients who told me about a mud hole that another adviser had created for her.  The adviser had been managing some money for her invested in dividend paying stocks that were supposed to reduce her risk and generate income.  In 2011, the account lost over 16%!  I was shocked!  How’s that for low risk?!  When we compared that to the way her portfolio with me was performing, which actually made money this year, her comment really hit me.  She said, “I will think long and hard before I ever let anyone but you manage money for me.”  I really makes me feel good to know that I’m helping my clients make money AND take less risk than the market.  With the difficult times ahead that this country is going to be facing, no one can afford to be losing money like that.

How did we do it you ask?  Well it doesn’t happen by accident.  Over the last 16 years I’ve developed a strategic method of investing designed to lower volatility and protect against inflation.  I don’t use any kind of risky derivatives or options or anything like that.  And my clients money is liquid, easily accessible if they ever want or need it.

If you would like to discuss how I can help you protect your assets from the wild swings of the market, and stay ahead of inflation (which is likely to get ugly), then please call me.  My toll free number is 1- 866-983-4222. I will offer you a complimentary review of your current portfolio and show you how we can help you eliminate and avoid the worst proverbial “mud holes” that face investors like you.  Don’t live with retirement plan “mud holes”.  These can be fixed with a little time and effort.  Some are much easier to get rid of than others.  And chances are, it won’t COST you anything to fix these problems in your retirement plan, it will likely SAVE you money and increase your retirement assets in the end.

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