Everyone who has ever thought about retirement has asked themselves these and other questions—and for 30+ years Bill has been providing straight answers and sound advice to a small, select clientele across the country. When you have a trusted advisor at your side with the right experience and credentials, you’ll be rewarded with an understanding of what works best, what pitfalls to avoid, and how to enjoy your retirement lifestyle with less stress and worry.
In order to invest with confidence, we believe you need a clear understanding of your portfolio, and that portfolio should be governed with a logical, straightforward methodology.
SEI Private Trust Company safeguards your assets by adhering to extensive federally mandated controls designed to prevent fraudulent activity. These control measures are audited by both independent and internal auditors. SEI also does not have capabilities that other firms have used to carry out fraud. Specifically:
SEI does not commingle your assets with its own assets or other investors. Any broker or bank can lend out your securities, offer margin lending and use their clients’ assets as collateral for their own borrowing. But this commingling of funds has been a factor in fraud situations. As a trust company, SEI cannot commingle funds or use client funds in its own account for any use—lending or otherwise—because all client assets are held in an account under the client’s (your) name.
SEI cannot pledge, lend, or margin your assets that are held in its custody. Margin lending, in which client assets are used as collateral for the broker’s or banks’ lending activities, has also been seen as a primary cause of at least one high profile failure.
SPTC—not an outside firm—maintains custody of all your assets. Perhaps the largest fraud in financial history was perpetrated through manipulation of custody records for client assets. SEI does not allow custody of your assets by any of the investment firms with which they work. Instead, all assets are held at SEI, and while their third-party money managers are responsible for security selection, SEI does not send your money out to or purchase products from these firms. These money managers are granted access exclusively to trade securities on SEI’s platform, which SEI then monitors. And even though SEI does not allow outside firms to custody SEI client assets, they still perform rigorous due diligence on those firms.
Predictable retirement income can be an unrealistic goal if it relies on market speculation. That’s why BLRS takes a comprehensive approach that involves maximizing Social Security, defining clear cash flow projections, and anticipating potential future costs.
Establish a cash account and set your personal benchmark.
Each time your portfolio exceeds your benchmark, harvest the excess.
Accumulate a cash cushion to draw from.
Set up automatic payments from your cash account to your checking.
The statistics say women tend to live longer than men. This means many women have a longer retirement to plan for, and many couples have unanswered questions about how to maintain their financial independence.
As your retirement advocate, our role is to understand where you want to go and to reduce or eliminate the risks that could hamper your progress.
That’s how you get clarity about the next stage in life. It’s also why we focus on organizing your financial household and helping you establish a strong outlook on your retirement.
When you’re facing a job change or retirement, the decision of how to manage the distribution of your employee retirement plan is both critical and irrevocable. We launched the IRA Rollover Helpline® to help you make that choice confidently, informed by objective advice.
After 30+ years, the biggest retirement missteps seem to be as common as they are avoidable. So we wrote them down.Download: The 10 Biggest Retirement Mistakes People Make and How to Avoid Them
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