CoachingA coach, by educating you, will help you to become truly an investor and eliminate the fear, anxiety, stress and confusion regarding investments decisions and achieve confidence and peace of mind. A coach is there to help you fight your instincts, emotions and perception biases and to defend yourself from the Wall Street Bullies. A coach is there to help you maintain your discipline, clarify and cut through the complexities even when is painful. There is a difference between a traditional financial advisor and a coach and we believe it could be defined as following: “An investment coach is a financial professional who goes beyond typical financial planning and advice to help you identify your investment philosophy, understand your investment strategy, and provide discipline throughout your investment experience. A coach will not only help you identify the right strategy for you, but help you keep your decisions and behavior regarding your investments on track for achieving the results you want “ A coach can help you answer the ” 20 Must Answer Questions” Call us to start your coaching at 832-320-1207.
InvestingInvesting vs speculating. That is the question If you rely on the predictions of investing gurus, co man (Bernie Madoff) and prognosticators is just like relying on a crystal ball . Might as well go to Las Vegas and throw away your money there: at least, there, you may enjoy the surroundings and some shows. You are a speculator if you believe that stock picking, market timing and track record investing are what you should do. But, in fact, there is zero correlation between a stock picker’s market beating performance and his ability to repeat performance in the future. As a prudent and scientific investor you should instead own equities. Owning equities is the greatest wealth creating tool ever. And, you should own equities all over the world accomplishing, at the same time, true diversification and eliminating overlapping (do not own the same stock twice) Overlapping happens constantly in many mutual funds and the consequence is that, when the market goes down, it takes down with it all those mutual funds that have overlapping positions. Hence, you lose substantially. Diversification and re-balance is the answer. While owning stocks all over the world you should pay careful attention to owning large, medium, small and micro caps, in the proper proportion with risk based on your own tolerance, so to have the maximum market return at the minimum standard deviation (risk) We will be able to coach you to achieve this goals tailored to you. Call us for a no charge initial consultation at 832-320-1207
Managed MoneyMost stock brokers, financial advisors (as they like to be called today) and big money managers, work for commissions, often not fully disclosed and turning over the funds up to 93% of the time, with internal commissions and expense ratios that are not disclosed. That is a very costly proposition, sometimes reaching heights up to 9 %. To give you an example ( which includes 2 large market downturns ) between 1991 and 2010 the S&P annualized return was 9.14 %. The average equity fund investor did 3.83 %. Where did the other 5.31% go? (DALBAR study: quantitative analysis of investor behavior, 2011) We rely on the Free Market Portfolio Theory which is the synthesis of three academic principles: Efficient Market Hypothesis, Modern Portfolio Theory, and The Three-Factor Model. Together these concepts form a powerful, disciplined and diversified approach to investing. The result is globally diversified portfolios including over 17,000 equities spread across 45 countries, designed and engineered to capture market rates of return over specific time horizons. We also charge a small flat fee to maintain your portfolio relying on Matson Money, a 20 year old company with more than 9 Billion under management and 33,00 clients, to take care of investing accordingly. This company has third party independent audited returns and performances. Let us coach you to start your financial transformation and future: call us for an initial no cost consultation at 832-320-1207.
IRA/401KMany of us today have a 401k at work, or an IRA. Unfortunately we have seen these accounts lose a lot of money in the past because they are affected by the same problems all the other individual accounts are: stock picking, market timing and track record investing, plus excessive costs. Many own variable annuities inside them, which add costs that the insurance companies charge. It is certainly discouraging to have to see your retirement account dwindle or stagnant. If you work for a small company ( or for a large one) that offers a 401k, introduce us or allow us to talk with the owners and bring to their attention our coaching. Let us show them and you how to get your sick 401k on the way to recovery. Not to mention our tax savings techniques that can help companies increase their bottom lines. Most CPA and Tax Preparers are not aware of these techniques. We have the expertise to coach them through that also. For a no cost consultation please call us at 832-320-1207.
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