The Future of Advice
The Future of Advice
People often believe that every firm offers personalized financial planning and investment management tailored to the individual.
But actually that is wrong. Firms [almost] all follow the same 1950’s investment process that leads to an approach of underperformance, complication and undue stress on the client all in the name of mass-produced plans that cater to the advisor and not the client.
There are three major flaws we see across the entire financial advising / money management industry and we will show you how we can fix the flawed approach.
Flaw #1—Risk Scores
The Outdated Metric Hurting Retirements
The reliance on risk scores as a singular determinant of retirement strategy fails to account for the multifaceted nature of an individual's financial situation. These reductive tools oversimplify complex variables, leading to suboptimal decision-making. This reductionist approach risks creating misaligned investment strategies that fail to adapt to evolving market conditions or personal circumstances. A more nuanced, data-driven strategy is necessary to optimize investment outcomes and protect long-term financial security in retirement.
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Flaw #2—Model Portfolios
Why Advisors Tell You to Wear the Same Outfit All Year, Every Year Regardless of Weather
Financial Advisors often treat retirement portfolios like a one-size-fits-all solution? Model portfolios ignore critical market changes, leaving people’s investments vulnerable in bear markets. Our service customizes your portfolio for market seasons—maximizing growth in bull markets while protecting your wealth in bear markets. Don’t let outdated strategies dictate your future. Invest with a service designed for real-life conditions.
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Flaw #3—Loss Management
Riding out a bear market is flawed thinking
The conventional approach of passively 'riding out' bear markets in retirement portfolios presents significant risk, particularly given the extended recovery periods often required post-crash. Retirees want to mitigate downside exposure during bear markets, while optimizing growth during bull markets. A model that can empirically and rigorously approach the markets is more likely to be better than the conventional static, calendar-based rebalancing techniques, which might leave retirees with less choices.
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This isn't new.
This isn't new.
Scholars, Researchers and PhDs agree that the price of the stock market goes up in long secular bull markets and falls in shorter but painful bear markets. You know this. I know this. Advisors know this. Everyone knows this. And yet almost all investment advisors ignore it.
Bull Markets happen 84% of the time. And bear markets 16% of the time. The entire financial advising industry knows investors are willing to take on more risk during stable, long term bull markets and little to no risk during bear markets. Again, every advisor knows this. And yet the entire industry ignores it.
Investment portfolios should behave differently during bull markets when the price is stable and consistently trending higher than they do during bear markets, when markets are erratic and consistently falling. And not just own a static one-size-fits-all approach based on a reductive number and an outdated model portfolio.
Wealth management strategies fail for two reasons - (1) Advisors manufacture underperformance during those long, stable bull markets and (2) Advisors implement approaches that are good for their business model while deliberately choosing to ride out devastating bear markets all in the name of risk scores and model portfolios.
There is a better way. When you are ready to add 10 good years, we can help you have a better retirement.
Scholars, Researchers and PhDs agree that the price of the stock market goes up in long secular bull markets and falls in shorter but painful bear markets. You know this. I know this. Advisors know this. Everyone knows this. And yet almost all investment advisors ignore it.
Bull Markets happen 84% of the time. And bear markets 16% of the time. The entire financial advising industry knows investors are willing to take on more risk during stable, long term bull markets and little to no risk during bear markets. Again, every advisor knows this. And yet the entire industry ignores it.
Investment portfolios should behave differently during bull markets when the price is stable and consistently trending higher than they do during bear markets, when markets are erratic and consistently falling. And not just own a static one-size-fits-all approach based on a reductive number and an outdated model portfolio.
Wealth management strategies fail for two reasons - (1) Advisors manufacture underperformance during those long, stable bull markets and (2) Advisors implement approaches that are good for their business model while deliberately choosing to ride out devastating bear markets all in the name of risk scores and model portfolios.
There is a better way. When you are ready to add 10 good years, we can help you have a better retirement.
Fearless Wealth.
Retirement Experts Since 1998.
Fearless Wealth is a trade name for Peck Wealth Management, LLC.
Investment Advisory Services offered through Peck Wealth Management, LLC. A Washington State & California State Registered Investment Advisor. Access to Peck Wealth Management, LLC is only available to Peck Wealth Management, LLC clients pursuant to a signed investment advisory agreement and acceptance of our Client Relationship Summary and Brochure (Form ADV, Parts 2A, and 2B). Clients are encouraged to read these documents carefully. Each Personal Portfolio is subject to an account minimum. Peck Wealth Management, LLC retains the right to revise or modify portfolios or strategies if it believes that such modifications would be in the best interest of its clients.
If you have a question about your managed investment account or you want to speak to customer service, call 650.257.0207 Monday-Friday, 9 AM to 5 PM Pacific time and leave a voicemail. For fastest response time email us at Hello@FearlessWealth.com and we will get back to you that day.
Any index referenced for comparison is unmanaged and cannot be invested in directly. This message may contain information that is confidential or privileged and is intended only for the individual or entity named above and does not constitute an offer for or advice about any alternative investment product. Such advice can only be made when accompanied by a prospectus or similar offering document. Past performance is not indicative of future performance. Please make sure to review important disclosures at the end of each email and page. Note: Joining the Fearless Wealth email or community is not an offering for any investment. Investors should discuss any investment with their personal investment counsel. RC Peck is not your personal investment counsel unless you have a current signed agreement with him directly. Before seeking any advisor's services or making an investment in a fund, investors must read and examine thoroughly the respective disclosure document or offering memorandum.
PAST RESULTS ARE NOT INDICATIVE OF FUTURE RESULTS. THERE IS A RISK OF LOSS AS WELL AS THE OPPORTUNITY FOR GAIN WHEN INVESTING. WHEN CONSIDERING ALTERNATIVE INVESTMENTS, INCLUDING GOLD AND LEVERAGED FUNDS, YOU SHOULD CONSIDER VARIOUS RISKS INCLUDING THE FACT THAT SOME PRODUCTS: OFTEN ENGAGE IN LEVERAGING AND OTHER SPECULATIVE INVESTMENT PRACTICES THAT MAY INCREASE THE RISK OF INVESTMENT LOSS, CAN BE ILLIQUID, AND ARE NOT REQUIRED TO PROVIDE PERIODIC PRICING OR VALUATION INFORMATION TO INVESTORS, MAY INVOLVE COMPLEX TAX STRUCTURES AND OFTEN CHARGE HIGH FEES.
Alternative investment performance can be volatile. An investor could lose all or a substantial amount of his or her investment. You are advised to discuss with your financial advisers your investment options and whether any investment is suitable for your specific needs prior to making any investments. All material presented herein is believed to be reliable but we cannot attest to its accuracy. Opinions expressed in these reports may change without prior notice. RC Peck and/or the staff may or may not have investments in any funds cited above as well as economic interest. As much as we back-check and re-check, some material may contain errors, and you shouldn't make any investment decision based solely on what you read here or in our free weekly email or videos. It's your money and your responsibility.
© 2024 Fearless Wealth. All rights reserved. Any reproduction, copying, or redistribution, in whole or in part, is prohibited without written permission from Fearless Wealth, Fearless Wealth Publishing, Inc or Peck Wealth Management, LLC , Kirkland, Washington 98033 or www.FearlessWealth.com. You can also read the Privacy Policy here.
Please see additional disclosures here. ADV Forms can be viewed here.
Fearless Wealth.
Retirement Experts Since 1998.
Fearless Wealth is a trade name for Peck Wealth Management, LLC.
Investment Advisory Services offered through Peck Wealth Management, LLC. A Washington State & California State Registered Investment Advisor. Access to Peck Wealth Management, LLC is only available to Peck Wealth Management, LLC clients pursuant to a signed investment advisory agreement and acceptance of our Client Relationship Summary and Brochure (Form ADV, Parts 2A, and 2B). Clients are encouraged to read these documents carefully. Each Personal Portfolio is subject to an account minimum. Peck Wealth Management, LLC retains the right to revise or modify portfolios or strategies if it believes that such modifications would be in the best interest of its clients.
If you have a question about your managed investment account or you want to speak to customer service, call 650.257.0207 Monday-Friday, 9 AM to 5 PM Pacific time and leave a voicemail. For fastest response time email us at Hello@FearlessWealth.com and we will get back to you that day.
Any index referenced for comparison is unmanaged and cannot be invested in directly. This message may contain information that is confidential or privileged and is intended only for the individual or entity named above and does not constitute an offer for or advice about any alternative investment product. Such advice can only be made when accompanied by a prospectus or similar offering document. Past performance is not indicative of future performance. Please make sure to review important disclosures at the end of each email and page. Note: Joining the Fearless Wealth email or community is not an offering for any investment. Investors should discuss any investment with their personal investment counsel. RC Peck is not your personal investment counsel unless you have a current signed agreement with him directly. Before seeking any advisor's services or making an investment in a fund, investors must read and examine thoroughly the respective disclosure document or offering memorandum.
PAST RESULTS ARE NOT INDICATIVE OF FUTURE RESULTS. THERE IS A RISK OF LOSS AS WELL AS THE OPPORTUNITY FOR GAIN WHEN INVESTING. WHEN CONSIDERING ALTERNATIVE INVESTMENTS, INCLUDING GOLD AND LEVERAGED FUNDS, YOU SHOULD CONSIDER VARIOUS RISKS INCLUDING THE FACT THAT SOME PRODUCTS: OFTEN ENGAGE IN LEVERAGING AND OTHER SPECULATIVE INVESTMENT PRACTICES THAT MAY INCREASE THE RISK OF INVESTMENT LOSS, CAN BE ILLIQUID, AND ARE NOT REQUIRED TO PROVIDE PERIODIC PRICING OR VALUATION INFORMATION TO INVESTORS, MAY INVOLVE COMPLEX TAX STRUCTURES AND OFTEN CHARGE HIGH FEES.
Alternative investment performance can be volatile. An investor could lose all or a substantial amount of his or her investment. You are advised to discuss with your financial advisers your investment options and whether any investment is suitable for your specific needs prior to making any investments. All material presented herein is believed to be reliable but we cannot attest to its accuracy. Opinions expressed in these reports may change without prior notice. RC Peck and/or the staff may or may not have investments in any funds cited above as well as economic interest. As much as we back-check and re-check, some material may contain errors, and you shouldn't make any investment decision based solely on what you read here or in our free weekly email or videos. It's your money and your responsibility.
© 2024 Fearless Wealth. All rights reserved. Any reproduction, copying, or redistribution, in whole or in part, is prohibited without written permission from Fearless Wealth, Fearless Wealth Publishing, Inc or Peck Wealth Management, LLC , Kirkland, Washington 98033 or www.FearlessWealth.com. You can also read the Privacy Policy here.
Please see additional disclosures here. ADV Forms can be viewed here.
Fearless Wealth.
Retirement Experts Since 1998.
Fearless Wealth is a trade name for Peck Wealth Management, LLC.
Investment Advisory Services offered through Peck Wealth Management, LLC. A Washington State & California State Registered Investment Advisor. Access to Peck Wealth Management, LLC is only available to Peck Wealth Management, LLC clients pursuant to a signed investment advisory agreement and acceptance of our Client Relationship Summary and Brochure (Form ADV, Parts 2A, and 2B). Clients are encouraged to read these documents carefully. Each Personal Portfolio is subject to an account minimum. Peck Wealth Management, LLC retains the right to revise or modify portfolios or strategies if it believes that such modifications would be in the best interest of its clients.
If you have a question about your managed investment account or you want to speak to customer service, call 650.257.0207 Monday-Friday, 9 AM to 5 PM Pacific time and leave a voicemail. For fastest response time email us at Hello@FearlessWealth.com and we will get back to you that day.
Any index referenced for comparison is unmanaged and cannot be invested in directly. This message may contain information that is confidential or privileged and is intended only for the individual or entity named above and does not constitute an offer for or advice about any alternative investment product. Such advice can only be made when accompanied by a prospectus or similar offering document. Past performance is not indicative of future performance. Please make sure to review important disclosures at the end of each email and page. Note: Joining the Fearless Wealth email or community is not an offering for any investment. Investors should discuss any investment with their personal investment counsel. RC Peck is not your personal investment counsel unless you have a current signed agreement with him directly. Before seeking any advisor's services or making an investment in a fund, investors must read and examine thoroughly the respective disclosure document or offering memorandum.
PAST RESULTS ARE NOT INDICATIVE OF FUTURE RESULTS. THERE IS A RISK OF LOSS AS WELL AS THE OPPORTUNITY FOR GAIN WHEN INVESTING. WHEN CONSIDERING ALTERNATIVE INVESTMENTS, INCLUDING GOLD AND LEVERAGED FUNDS, YOU SHOULD CONSIDER VARIOUS RISKS INCLUDING THE FACT THAT SOME PRODUCTS: OFTEN ENGAGE IN LEVERAGING AND OTHER SPECULATIVE INVESTMENT PRACTICES THAT MAY INCREASE THE RISK OF INVESTMENT LOSS, CAN BE ILLIQUID, AND ARE NOT REQUIRED TO PROVIDE PERIODIC PRICING OR VALUATION INFORMATION TO INVESTORS, MAY INVOLVE COMPLEX TAX STRUCTURES AND OFTEN CHARGE HIGH FEES.
Alternative investment performance can be volatile. An investor could lose all or a substantial amount of his or her investment. You are advised to discuss with your financial advisers your investment options and whether any investment is suitable for your specific needs prior to making any investments. All material presented herein is believed to be reliable but we cannot attest to its accuracy. Opinions expressed in these reports may change without prior notice. RC Peck and/or the staff may or may not have investments in any funds cited above as well as economic interest. As much as we back-check and re-check, some material may contain errors, and you shouldn't make any investment decision based solely on what you read here or in our free weekly email or videos. It's your money and your responsibility.
© 2024 Fearless Wealth. All rights reserved. Any reproduction, copying, or redistribution, in whole or in part, is prohibited without written permission from Fearless Wealth, Fearless Wealth Publishing, Inc or Peck Wealth Management, LLC , Kirkland, Washington 98033 or www.FearlessWealth.com. You can also read the Privacy Policy here.
Please see additional disclosures here. ADV Forms can be viewed here.