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One of the worst market collapses in a century has left many, especially Baby Boomers reeling - their dreams for retirement shattered by twin devaluations of their homes and their retirement savings.  Those who suffered the most are those who were not given guidance by a financial professional, or who did not seek such advise.  The latter group is a growing component of investors. Armed with high speed internet connections and egged on by discount brokerages offering dirt cheap commissions to "frequent traders", a significant number of self managers have learned the hard way that investing is not a sport but serious business. 

As of mid-August 2009, our clients in general are off about 10% from the US stock market's all time high, recorded in October 2007. By comparison, the Dow Jones Industrial Average has shed over 30% of its value.  We've significantly beaten all major averages except for a bond-only strategy since becoming part of the independent investment advisor world in early 2001. You are welcome to hear the details by contacting our office at 949 249 2057.

Beginning in 2007, married couples with “modified adjusted gross income” over $170, 000 began paying higher premiums for part B Medicare coverage (doctor visits and out patient services). For people with lower income, the standard monthly fee is $96.40 per months per patient.