We Help Tech Professionals
Retire
We Are Fee-Only Fiduciary Financial Advisors with Clients Across The Entire US. No Annuities. No Commissions. No Mass-produced Plans Or Strategies. For 28 Years And Counting We Use Math And Not Moods To Produce A Commonsense Approach To Retirement.
Fee Only.
Fiduciaries.
Retirement Worries?
It’s Not The Market.
The
Industry
Approach
FEELINGS BASED
Build, create and allocate an entire retirement portfolio based on how a client feels.
IGNORE
Ignores market direction, ignore the economy, ignore cycles, ignore history. Ignore inflation rates. And hope you have good weather during retirement.
PRETEND
Run a Monte Carlo Distribution and pretend every year is going to be the “average” of the past 50 years. No crashes. No crises. No pandemics.
ABSOLUTES
Approach investing in a rigid black-or-white view. All-or-nothing. Always/never. Good/bad. Nothing ever changes. Assume what worked 20 years ago will work for the next 20 years.
QUANTITY
More stocks equals more safety. Buy more, more, more. More of this and more of that. Because more always means safer.
COMPLICATED
Build an approach that has a lot of moving parts and assumes complication and complexity drive stability.
BONDS ARE ALWAYS SAFE
If you want a retirement with lower volatility and that conservative feel then bonds always increase stability.
DIVIDENDS ARE KING
Dividend stocks are safer, offering steady income. History shows this story is build on nostalgia and oversimplification.
vs.
The
Modern
Approach
MATH BASED
Build, create and allocate a retirement portfolio based on proven math, probability and research.
ACKNOWLEDGE
Acknowledge and adapt as the markets shifts from long stable secular uptrends to secular downtrends. Bad stuff is going to happen in retirement. Be prepared.
REALITY
Recognize what is happening and not what you want to happen. Assume every decade might be different. Including crashes. Wars. Pandemics. And…
NUANCES
Approach investing from a probability point of view and realize every year and cycle brings new conditions and rules. Every market is different. And so will yours during retirement.
CORELATION
When markets fall, like the ones you to want to avoid. All stocks act in the same and losses compound. More doesn’t help.
SMART
Recognize that the simple approach is very hard to break. And is clear and follows commonsense math.
BONDS ARE SOMETIMES SAFE
Bonds move through 20 to 40 year periods where they are in secular downtrends with increased correlation and lower protection ability.
DIVIDENDS CAN HURT
Dividend stocks narrow exposure, increases concentration risk, and can leave retirement portfolios fragile, volatile with higher taxes.
Our Partner
Charles Schwab
Get to Know Fearless Wealth
Since 1998, we’ve been helping our clients get a retirement filled with clarity, peace and predictability by implementing what many researchers, academics and PhDs have known for decades… that risk scores and model portfolios have limited help in retirement.
As Seen On
Upgrade Your Retirement Portfolio
Eliminate market anxiety. Our retirement portfolios are designed to fully participate in bull markets and step aside in bear markets… so our clients can focus on the most fulfilling part of their life.
We give you
a lot,
but none
of the junk.
No Sales Commissions
No Product Selling
No Financial Planning Fees
No Platform Fees
No TAMPS
No SMA Fees
No Trading Fees
No Allocation Mandates
No Funds of Funds
No Assembly Line Planning
Our Team
RC Peck
Founder & Principal
25 Years Experience
Beatriz Soriano
Relationship Manager
14 Years Experience
Paul Brannan
Institutional Manager
33 Years Experience
Scott Smith
25 Years Experience
Communications Manager
Julie Kamps
26 Years Experience
Kamps Legal, P.C.
C.M. Shuman
Operations Manager
11 Years Experience