Home 2018-07-09T16:30:55+00:00

Does Your Risk Score Match Your Portfolio?

We utilize cutting edge technology that identifies your acceptable levels of risk and reward with unparalleled accuracy.

Take our no-cost or obligation 5-minute questionnaire that covers topics such as portfolio size, top financial goals, and what you’re willing to risk for potential gains. Then we’ll pinpoint your exact Risk Number and send your personalized report.

One important factor when planning for your retirement is knowing how much money you will need during your retirement years, but did you know that according to the U.S. Department of Labor,

fewer than half of all Americans have calculated how much money they’ll need in retirement.

Source: http://www.dol.gov

Get the TAX-FREE CLIFF NOTES Toolkit Sent Right to Your Door!

Get Your FREE Kit Now

Retirement Planning:
THE ULTIMATE CHESS GAME

There are a lot of pieces – all with specific rules. And those rules can change with a stroke of a pen in Congress.

  • Social Security – claiming strategies have changed!

  • Pension benefit options –what is your best option?

  • Qualified Plans: IRAs/401Ks/403(b)s/TSP – Have you factored in your ‘partner’s’ share

  • Taxes – How can you avoid the largest wealth thief of all?

  • Inflation –  Are you factoring in the stealthy decline of purchasing power?

How are you going maximize your income strategies and minimize your risks? These decisions should be integrated, working together to ensure that your plan will actually work!

72 %

of people surveyed receiving Social Security Benefits, said it accounts for at least 50% of their income.

Source: “Longevity Risk and Reward for Middle-Income Americans,” Bankers Life and Casualty Company Center for a Secure Retirement, in conjunction with the Boomer Project.

We are fiduciaries

What exactly does this mean to you? Simply put, as Investment Advisor Representatives, we act as fiduciaries for all of our investment management clients. We have an obligation to act in the best interests of our clients and to disclose any conflicts of interests and all associated fees. Additionally, the recently enacted Department of Labor (DOL) Fiduciary Rule imposes a fiduciary duty upon advice given to any retirement account, including qualified insurance annuity products. Please refer to the BCM firm brochure (Form ADV 2A) for additional information regarding the fiduciary standard.

Learn More