How Much is Enough to Retire?

by | Dec 19, 2018 | Financial Planning

… Clearview’s Wealth Solutions can help with retirement Retirement should be spent on enjoyable activities with those held dear.  Unfortunately, reaching this goal has become more difficult over the past generation as employer’s retirement contributions have...
Knowledge – Results

Experts in Risk Management

Are you prepared for the next market correction or financial crisis?

Let us Help
Knowledge – Results

Experts in Risk Management

Are you prepared for the next market correction or financial crisis?

Let us Help
Knowledge – Results

Experts in Risk Management

Are you prepared for the next market correction or financial crisis?

Let us Help
Knowledge – Results

Experts in Risk Management

Are you prepared for the next market correction or financial crisis?

Let us Help
3

Real Retirement Solutions

designed to improve
  • Wealth Preservation
  • Management of Risky Assets
  • Peace of Mind

This is achieved through an ongoing assessment of market risks given your specific financial situation and goals.

Get Started

Professional Expertise

Leadership Team

Richard Furmanski

Richard Furmanski

CFA

has been a portfolio manager and analyst for over 35 years. He manages conservative, tax-efficient portfolios for both pre-retirees and retirees. His lower risk approach appeals to investors who want less volatility and competitive risk-adjusted returns.

View full bio

Mary Ellen Adam

Mary Ellen Adam

Director of Operations

has been in office administration for over twenty years. Her experience includes customer service, firm operations, and office administration. She interacts with our clients on a day-to-day basis and handles any requests that may arise.

View full bio

Frequently Asked Questions

If you can't find the answer to your questions here, feel free to give us a call at 847-847-2505

Do you manage both stock and bond portfolios?

Yes. We build a portfolio of conservative, high-quality stocks and hold them for the long-term. The average holding period is 4 – 5 years. Our focus is on stocks that are suitable for retirement portfolios.

Our high-quality bond portfolios are designed to provide both income and stability of principal. Bonds provide the anchor for balanced accounts (those holding both stocks and bonds).

What is your investment philosophy?
We take great care in purchasing only high-quality stocks and bonds intent on a multi-year holding period. Portfolio turnover and taxable realized gains are modest in comparison to other active managers. We do not time the market but will become more defensive, in terms of stock holdings, when market conditions warrant.
Will the portfolio be managed in accordance with my financial goals?
Yes. Each of our clients has a custom-tailored portfolio. These custom portfolios are designed to meet specific client objectives with a thoughtful approach to specific constraints such as risk tolerance. And as each client’s situation changes, the portfolio does as well. There is no cookie cutter approach.
What kind of expertise do you have and how can that help me in difficult markets?
We have been working with high-net-worth clients like you since 1982. Over that time we have helped them to navigate several bear markets and financial crises (including the stock market crash of 1987). We hold the Chartered Financial Analyst (CFA) and Certified Financial Planner (CFP) designations.
Are you sensitive to taxes when managing portfolios?
Yes. Our holding period for an individual stock averages 4 plus years which means our turnover is low and realized gains can be carefully managed. Further, where possible, we tax loss harvest small losses as a way of offsetting gains taken elsewhere in the portfolio.
How have you performed?
Results will differ by client and the level of customization but we have provided competitive investment returns for many years.
How do you charge for your services?
We charge a management or consultant fee based upon the size and level of customization of the account. As the account grows, we benefit together.

Recent Commentaries

Stay up to date with all of our latest comments and analysis.

November 2024 Market Commentary

With an YTD gain of 22.1% through yesterday, the S&P 500 is on pace for its second annual 20% gain in a row....
Read More

The Bull Market Remains Intact

Oct 7, 2014

The S+P 500 recorded its seventh consecutive quarterly gain in the third quarter, up 0.6% while the Dow was up 1.3%; However most stocks did not fare as well as the popular averages. The average diversified U.S. stock fund was down 1.9%. Small caps were especially hit...

Stock Market Delivered Positive Returns

Jul 14, 2014

The first half of the year has now ended with the stock market having delivered positive returns. The S&P 500 stock index rose a solid 6.1% while the Dow Jones provided a modest 1.5%. And after GDP growth of -2.9% in the first quarter, Q2 GDP growth is forecast to...

View All

Monthly Updates

Fed Signals 2019 Interest Rate Cut

Jun 20, 2019

Going into yesterday’s Federal Reserve Board meeting, the futures market was pricing in an 85% chance that the Fed will cut rates by the end of July. This came without supportive or consistent commentary from Fed officials suggesting that rate cuts are imminent –...

Why Balanced Portfolios Make Sense for Most Investors – Update

May 15, 2019

Lately, stock markets are rising or falling in substantial part on the prospects of a trade deal with China. Language has turned acrimonious with China saying they would never surrender to foreign pressure. So far, U.S. consumers haven’t felt the full effects of...

As a current or near term retiree you have real concerns…

We provide dedicated solutions
Contact Us

Professional Links

Association Links

Content Links