Core Beliefs on How To Build A Retirement Income Portfolio

We believe that most conventional options for managing a person's money during retirement are simply incapable of solving all of the needs and requirements of the modern retiree.

We believe that too much emphasis is being placed on individual products, such as annuities or mutual funds, as if these vehicles (individually) are capable of meeting all of someone's retirement needs when they simply can not.

We believe that many annuities are legitimately good at providing secure, lifetime income, but are not very good at producing necessary growth and inflation protection. Therefore, annuities should be used as part of a greater overall plan and should not be viewed as a stand-alone solution by themselves.

We believe that professionally managed (tactical) stock-market portfolios can provide healthy, long-term upside growth potential and can be very effective at preserving principal while still allowing for a high degree of downside risk protection.

We believe that the right MIXTURE of carefully chosen annuities AND managed stock market accounts can create a blended portfolio that is capable of producing stable growth, increasing income, preservation of principal, and flexibility ALL AT THE SAME TIME! These are the types of custom portfolios that we build and manage for our clients.

Taking A Closer Look At Why So Many People Are Frustrated and Confused When It Comes To Finding The Right Option For Generating Income During Retirement.

When considering an annuity for retirement income purposes, many consumers are initially intrigued by the idea of having a guaranteed lifetime income stream, but oftentimes become rather disenchanted after learning that most annuities also tend to have relatively low upside growth potential, level income payments (no inflation adjustments), and little to no liquidity/flexibility.

When considering a stock market-based portfolio for retirement income purposes, most retirees like the idea of unlimited upside growth potential, but often feel genuine concern with how unprotected their money is from a potentially serious market downturn.

Many retirees feel pushed and pulled all over the place by competing advisors or by commission-driven product salespeople that are not held to a fiduciary standard of advising their clients based solely on the clients’ needs and best interests and not their own potential compensation.

This reality can and does create a substantial amount of confusion in the mind of the client as to which “option” they should really be considering for best meeting their retirement objectives, and sadly can often lead to a retiree feeling pressured into a buying decision that they may ultimately come to seriously regret.

Additionally, we believe there is a serious void within the financial planning community when it comes to advisors being truly skilled at not only helping clients transition correctly from the accumulation phase of life into the income/preservation phase of life, but also adhering to the fiduciary standard of placing their clients' best interest about their own.

In spite of the frustrations that so many retirees have experienced with their investments in recent years, there are still sound methods available for achieving growth, income, and preservation of principal within a portfolio with limited downside risk.


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Secure Wealth Planning Group
Based on 11 reviews
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Seth rieback
Seth rieback
21:46 25 Jun 20
I have been a client of Richard's for the past five years and I highly recommend him. He thoroughly explains all of your investment options for a maximum return with minimum risk. he is always available to answer any questions you may have and I trust him completely!
Nicole Turetsky
Nicole Turetsky
18:48 16 Jun 20
Being a conservative do it yourself’er we were always on the lookout for interesting investments and safe harbors for our accumulated wealth. We heard Richard Erlich speak at a dinner we were invited to a few years ago. We always try to dodge these dinners but this one seemed interesting, so we decided to listen. Richard explained his product clearly and without a push. He seemed sincere and extremely professional in his presentation and we decide to visit his office to have some of our questions answered. We felt a level of trust we had not felt in other wealth managers in quite a while. We decided to invest a little and see how the relationship would develop. Richard has become a trusted advisor, which for us is a big deal, since we have and still do guard our portfolio with the upmost care. Since our initial investment we have continued to add to our portfolio with Richard. We enjoy speaking with him and getting updates on products or current standings and look forward to continued growth in our portfolio as well as our friendship.
Gary Mora
Gary Mora
13:39 10 Jun 20
We have been with Secure Wealth Planning Group and have always had a great experience. Richard E. has done an excellence job setting-up and managing our retirement investment accounts. I highly recommend this SWPG to anyone who wants help with their investments.
Gary Litman
Gary Litman
01:23 09 Jun 20
Secure Wealth Planning Group's Richard Ehrlich is very personable, knowledgeable and professional. He has taken time to review my previous portfolio and present a comprehensive retirement plan for me and my wife. I highly recommend him.
Blossom McLean
Blossom McLean
21:34 03 Jun 20
Very professional.. cares a lot .Excellent personality along with efficiency . Results exceptional
Frederick Bates
Frederick Bates
19:18 02 Jun 20
Rich has been managing my investment portfolio for the last 9 years. He has always been very professional, responsive and caring. I would highly recommend.
robert mednick
robert mednick
18:51 02 Jun 20
I have been dealing with Secure Wealth Planning Group, Richard Ehrlich since 2016. I only have good results from dealing with him. Richard is always responsive to my many calls and answers or looks into my inquires. In fact I stopped by his office today and went over a yearly statement with him. It is very comforting to be able to sit down and go over(review) my annual statements and my annual index investment choices. Continue the good work.
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