Allan Argosino, Retirement Coach

Investment Retirements Plans

Welcome to our Investment Retirement website! We help you prepare for a secure retirement with expert advice and tailored strategies for achieving your financial goals.

We have an Investment Management and Financial Planning website: My Financial Plan.com ("MFP"). MFP has so many resources, educational materials, and investment information for you. Please click on the logo to be re-directed to MFP.com.

We approach our clients' investment management approach at two broad, top levels:

Investment Concepts specifically for Retirement, and
Creating and Managing bespoke Investment Portfolios for each of our clients.

Learn More

Glimpse at Our Services

Income Planning
for Life

The #1 Need for Retirees is having enough guaranteed income in retirement, to last for the rest of their lives.

Potfolio Risk
Management

Right now, if the stock market were to crash or correct, do you know how much money you will lose? In your retirement savings?

Managing Your
Inbestment Fees

Most retirees think they pay 1% in Management Fees to have their accounts professionally managed. But most pay more than that.

Creative Tax
Strategies

Are you minimizing your tax burden? Are you maximizing your

after-tax investments and

returns?

Legacy Planning
For Your Family

All clients wish to have enough money to last them for as long as they live. But any money "left over," they wish to give to their children.

You Should Manage Your Investment Portfolios Differently in Retirement.

Why Retirement is Different? 1. Priority is on guaranteed income, NOT the highest returns 2. It is critical to AVOID large losses - you may not have time to recover 3. Must pay attention to the Sequence of Returns Risk ("SORR") 4. Must consider all instruments, especially those that are principle-protected 5. Your Asset Allocation is not just stocks, bonds, and cash - it includes ALL assets 6. Historical average returns are less important - it's my return in Retirement 7. You need a different trusted advisor, one focused on "Stage 2" (Capital Preservation)

Our General Investment Approach in Retirement or "Stage II"

Our 1st step in your Retirement Investments involve the following steps. We guide and coach you through the process, before moving to the 2nd step, which is creating, managing, and fine-tuning your investment portfolio(s) to fund your retirement needs. 1. Explain and educate you on retirement investments, and how you should adjust your thinking, approach, and strategy. 2. Put together you budget, and cash flow needs in retirement. 3. Evaluate your total assets and sources of income, and determine how much of your retirement needs can be supplemented by your invetment portfolio. 4. Determine your personal/family Risk Tolerance Score. 5. Create, implement, and manage your investment portfolio. 6. Explain our monthly or quarterly Portfolio Reviews.

Our Investment Process for Your Retirement Portfolio

At My Retirement Coach (MRC), in Step II of our general investment process, we put together, implement, manage, and adjust your investment portfolio. We follow the same "broad level" portfolio construction process as the CFP Board (Certified Financial Planners) 6-Step process - but with unique additions: 1. We match your personal Risk Tolerance Score (RTS) with your portfolio's Risk Score (RS); both are quantitative scores and your portfolio RS score doing quantitative analysis on your portfolio's value change in various market conditions. 2. We implement computer programs to actively manage and alert us of the downside risk of your holdings and overall portfolio in real-time (i.e. drawdowns), with the help of our advanced computer systems and AI. 3. We use Adaptive Asset Allocation (AAA) in putting together your portfolio vs. Modern Portfolio Theory (MPT) which is the widely-used (90%) approach and strategy to portfolio construction. We manage portfolios with a stronger bias to technical analysiss vs. fundamental analysis - our job for you is to make you money. 4. Must consider all instruments, especially those that are principle-protected. 5. Your Asset Allocation is not just stocks, bonds, and cash but includes Annuities, high income ETFs, commodity and alternatives ETFs, etc. 6. Our active portfolio management process avoids large losses, and makes tactical adjustments to your portfolio based on the changes in value, and not on time; that is, not at a specific date or time.