Are you buying and hoping?Does your retirement feel like it’s out of reach?

Securities and investment advisory services offered through GENEOS WEALTH MANAGEMENT, INC.  Member FINRA/SIPC and a registered investment advisor.This material is provided for general information only and is subject to change without notice. Every effort has been made to compile this material from reliable sources; however no warranty can be made as to its accuracy or completeness. The material is neither an offer to sell nor a solicitation of an offer to buy any securities or participate in any investment or trading strategy. There is no assurance that any investment or trading strategy will be successful. Before acting on any of the information, please consult your Financial Advisor for individual financial advice based on your personal circumstances. The opinions expressed are those of the author and not necessarily those of Geneos Wealth Management, Inc.

Bio

PETER MCCLELLAN, CHFC

Peter McClellan has been advising families and individuals in the areas of investment, inheritance planning and estate planning for over 25 years. While he “hopes” that the market will not drop again, hope is not an investment strategy. Active money management is an investment strategy aimed to minimize risk while targeting the type of investments that may help you reach your financial goals. Past performance does not guarantee future results, but the goal of lowering losses as an objective is attractive.

Is the market artificially high?

Can the market continue to rise if we stop artificially pumping money into the system?

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401k Latte.com

An Index is a portfolio of specific securities (common examples are the S&P, DJIA, NASDAQ), the performance of which is often used as a benchmark in judging the relative performance of certain asset classes. Indexes are unmanaged portfolios and investors cannot invest directly in an index. Past performance is not indicative of future results. Investors should be aware of additional risks associated with international investing such as increased volatility, currency fluctuations, and differences in auditing and financial standards. Diversification does not assure a profit nor protect against loss.

Secular bears and bulls

The past 11 years the market has gone no where. Do our current leaders inspire confidence or are they causing economic agony for us in the coming years?

Will the economy be booming in the next few years without individuals, corporations and governments fully deleveraging? Can you swim with anchor around your neck? Why do you think the economy can?

Debt has got to go before we grow!

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401k Latte.com

Click icon to add picture In 2010, we spent more than a TRILLION dollars that we don’t have!!! Hello!!!

Do you have confidence that our leaders are serious about getting us out of this mess?

Could your household survive if you continually overspent by 60%?

401k Latte.com

Click icon to add picture Are we genuinely

addressing the causes of the 2008 economic melt down?

Have we as a country genuinely begun to get out of debt?

Is more debt really the solution?

What do you think will happen to the stock market when we are forced to make drastic cuts or potentially become the next Greece?

401k Latte.com

An Index is a portfolio of specific securities (common examples are the S&P, DJIA, NASDAQ), the performance of which is often used as a benchmark in judging the relative performance of certain asset classes. Indexes are unmanaged portfolios and investors cannot invest directly in an index. Past performance is not indicative of future results. Investors should be aware of additional risks associated with international investing such as increased volatility, currency fluctuations, and differences in auditing and financial standards. Diversification does not assure a profit nor protect against loss.

Do we all buy low and sell high?

Since that first trough in 1877 to the March 2009 low:

Secular bull gains totaled 2075% for an average of 415%.

Secular bear losses totaled -329% for an average of -65%.

Secular bull years total 80 versus 52 for the bears, a 60:40 ratio. This last bullet probably comes as a surprise to many people. Until the recent gloom descended over the investment horizon, the finance industry and media have conditioned us to view every dip as a buying opportunity. If we understand that bear markets have accounted for 40% of the past 122 years, we can see the current market in a more realistic context. Based on the real S&P Composite monthly averages of daily closes, the S&P is 54% above the 2009 low, which is still 36% below the 2000 high.

401k Latte.com

Are you comfortable with your strategy?

Don’t just hope that the market does not crash.

Consider a strategy that aims to minimize losses when they come.

What would be the cost to your financial stability if the market cut your portfolio again?

Call 952-882-0400 for a free consultation.

401k website

Radio Show Website

Inheritance Tug Of War Website

Please visit these links to learn more about Peter and the 401k Latte Team!

This material is provided for general information only and is subject to change without notice. Every effort has been made to compile this material from reliable sources; however no warranty can be made as to its accuracy or completeness. The material is neither an offer to sell nor a solicitation of an offer to buy any securities or participate in any investment or trading strategy. There is no assurance that any investment or trading strategy will be successful. Before acting on any of the information, please consult your Financial Advisor for individual financial advice based on your personal circumstances. The opinions expressed are those of the author and not necessarily those of Geneos Wealth Management, Inc.