Retirement

Notes About Our Investment Process

Markets go up and markets go down, sometimes violently.

Sometimes they stay down for months at a time. No one can time, predict, influence or control them and I won’t insult your intelligence by suggesting that I can or that I will try.  Beware of those who do.  We’re opportunistic but we won’t attempt to predict.  There is a difference.

Volatility is an uncomfortable, albeit normal, part of investing and a large part of my job is helping you understand and cope with that volatility. The two biggest determinants of long term investment performance are behavior (how we respond to good and bad volatility) and asset allocation (how your money is diversified).

Depending on the your goals, we will invest for growth or total return (growth and income as needed) and believe in diversification and asset allocation. Market timers and Jim Cramer followers may dislike me for not reacting to every piece of news. Gold bugs will hate my optimism in the future.

I do not recommend investments that are complex, ill-liquid, lack transparency, have surrender penalties, high fees or any commissions. This typically eliminates annuities, Master Limited Partnerships (MLPs), Business Development Companies (BDCs), Managed Futures and alternative investments. Portfolio’s are constructed with low-cost, tax-efficient, mutual funds and ETFs (electronically traded funds) from select fund families like Dimensional Funds, Vanguard, American Funds and iShares.  

Many of our clients are preparing for, transitioning into or in retirement.  You can see our process for creating retirement income here. Each client portfolio will include a globally diversified stock assets with complimentary satellites that may consist of bonds, real estate, and/or individual sector strategies. 

Each client’s investment portfolio is customized and designed to meet their particular plans goals including income needs, investment goals, preferences, age, distance until asset use, need for income and tolerance/capacity for risk.   

Portfolios are re-balanced and tax-losses harvested, as possible and when appropriate.  Portfolios offer daily liquidity and no “exit” charges.

Appropriate pre-existing holdings may be incorporated into client portfolios. Accounts not managed by Compass are often included during retirement, allocation and income planning.

If this information was helpful, you might want to check out this post on Retirement Planning Terms…https://johnbubello.com/terms-report/

Please Note:  Speak to your tax, legal or financial advisor for specific advice about your particular plans and situation.

John Bubello Retirement Financial Advisor

John R. Bubello CFP®

I specialize in Retirement Planning & Investment Management.

My clients worry less, maximize their money, avoid mistakes and retire with clarity and confidence.

The Retirement Income Blog

Advice and perspective for the soon-to-be-retiree

Creating a retirement plan requires making some complicated decisions about our financial lives.

But complicated doesn’t have to mean confusing

My goal is to break down key decisions and concepts, frame them in the context of your retirement, and help you make smart, confident decisions about your retirement.

Because you only retire once.

The Markets & Your Retirement

It was approximately 16 months ago that we first discussed the coronavirus in these missives. At that time history was telling us that while viruses have a habit of forming frequently, rarely do they have effects on a global scale.      Covid-19 is an outlier.  ...

read more

SPACS, NFTs, and Other Jungle Creatures

“The American marketplace is an economic jungle. As in all jungles, you easily can be destroyed if you don’t know the rules of survival. … But you also can come through in fine shape and you can even flourish in the jungle—if you learn the rules, adapt them for your...

read more

Annuities: Love or Hate? – Video

Retirement Planner John Bubello, CFP® CRPS®, talks about the pro's and con's of annuities.   Need to contact John, click here  More from the Retirement Income Blog...Copyright © 2020 | All Rights Reserved. John R. Bubello is an investment...

read more

Copyright © 2020 | All Rights Reserved.

John R. Bubello is an investment advisor representative of and offers investment advisory services through Compass Retirement, LLC, a registered investment adviser offering advisory services in the State of Connecticut, State of Florida and other jurisdictions where registered or exempted.