As a firm that specializes in Retirement Planning, our two goals for you are:

  1. For you to have Financial Peace of Mind and
  2. For Your Money to Last As Long As You Do.

Our investment strategy of Buy, Hold, and PROTECT! is designed to give us Unlimited Upside with a Tolerable Downside.

  • So That Is What Red Looks Like!
  • Bonds Are Looking More Attractive.

So That Is What Red Looks Like!

The S&P 500 Index had a down period last week. We were beginning to think that it could only go up.  When we saw red on the screen, we had to pause and say, “What is that?”

Kidding aside, January 2019, was the strongest start to a year since 1987, which was the year of one of the most notorious bear markets in history.

Be that as it may, such a strong rally is usually followed by profit-taking, and we may very well see the stock market come down.

For us, the trend has not established itself strongly enough to warrant a change in our posture. We are still in protection mode and will remain that way until the trend has become strong enough that we have confidence in it. At this time the trend only reminds us of the behavior of the S&P 500 Index in previous bear markets. We still view the downside risk as being far greater than the upside potential, and therefore, we are not going to panic and go back into the market before our strategy tells us to.

We will always err on the side of caution when it comes to your financial security.

Bonds Are Looking More Attractive.

As we have reported to you in previous emails, when interest rates are rising, bond values tend to fall.  When the Federal Reserve announced their aggressive plan to raise interest rates last year, our Investment Committee decided that it was prudent to sell half of our bond allocation to mitigate that risk to you.

With the Federal Reserve almost doing a 180-degree turn on their intentions to raise interest rates, the threat seems to have abated, and our Investment Committee has been discussing the option of going back into the bond portfolio allocation.

Stay tuned.

If you are not a client of Money Matters, we want to visit with you!  Let us worry about all this so that you don’t have to.  

Over 50? Schedule a free retirement consultation with one of our financial advisors. We will help you to make the important financial decisions needed to create your personalized retirement plan.

  • Do you know if you have enough money to retire o?
  • Do you have a plan for what to do when the next market crash comes?
  • What are 5 strategies that you can use to reduce your income taxes?
  • How do you plan for your retirement cash flow?
  • What should you do to maximize your Social Security benefits?
  • Are you diversified the way you should be?

We would love to review your retirement plan with you and see if we can help you. If we can help you, that’s terrific, if not that’s fine too. Either way, there is no charge or obligation, and we will part friends!

We are thankful that we have a protection strategy.

Our strategy enables us to participate in the upside as long as it lasts; it is also designed to get us out with tolerable losses when the trend changes.

And, we all know that the trend can change quickly and precipitously.

Look at the chart below:

I would like to invite you to come to one of our seminars. They are designed for those of you who are retired or retiring soon, and they are free.

At the free retirement seminar we will answer these burning questions:

  • How do I protect my retirement from the next market crash?
  • How do I avoid three basic “pitfalls” of retirement distribution planning?
  • Am I on track to be able to retire?
  • When should I take Social Security? 62? 66? 70?
  • Am I diversified the way I should be?
  • How much can I afford to spend during my retirement?
  • How can I fight inflation?
  • How do I determine how much risk is appropriate for me?
  • Do I take my pension or a lump?
  • How do I avoid having 85% of my social security taxed?
  • Should I rollover my 401(k)?
  • How do I reduce my income taxes in the future?

Click here to reserve your spot at the next free retirement planning seminar.

Click here to listen to this week’s podcast and hear the following topics:

  1. The Twin Threats Continue.
  2. 18 Retirement Risks Series: #5 Loss of a Spouse
  3. Questions about Social Security
  4. Buy and Hold Myths: #2 Don’t Miss the 20 Best Days
  5. Estate Tip: A Trust for Your Spouse

It is our singular goal to keep our clients from becoming poor. Preserving the wealth that they have built is job number one for us. I encourage you to join the Money Matters family!

I believe that avoiding large losses is the single most important thing that we should be concerned about as investors.

Perhaps you were given a package by your employer. Perhaps you sold an asset and want to know how to properly invest the proceeds. Perhaps you inherited money and want to keep it safe and grow it if you can. Perhaps you just want a second opinion. These are all reasons for you to take advantage of all the resources that we at Money Matters have to offer you.

We want to help you achieve your retirement goals.

Thank you for subscribing to this newsletter. I hope it finds you and yours in good health and spirits.


Ken Moraif, CFP®, MBA