Market Alert March 17th, 2019: We Are Very Close But Not There Yet

As a firm that specializes in Retirement Planning, our two goals for you are:

  1. For you to have Financial Peace of Mind and
  2. For Your Money to Last As Long As You Do.

Our investment philosophy of Buy, Hold, and PROTECT! is designed to give us Unlimited Upside with a Tolerable Downside.

  • Did your advisor council you to get out in December? Or at least discussed it with you?
  • We are very close, but not there yet!

Did your advisor council you to get out in December? Or at least discussed it with you?

Please listen to this segment of my radio show “Did your advisor advise you to get out in December?”

I believe that if you are retired or retiring soon, and your advisor did not get you out or at least talk to you about taking evasive action in December, they were not responsible with your retirement.

Had the market continued its descent, they may have filled you up with platitudes about “long term investor” and “the market always comes back.” We feel that all of those tired old lines are fine to say in the abstract, but if it delays your retirement by five or six years, as 2008 and Y2K did for too many, those platitudes are small consolation.

If there is no concern about the downside and only a focus on the upside, we believe that is not a retirement plan; it is a young person’s growth plan.

We are very close but not there yet!

The S&P 500 Index got very close to our buy signal last week. We have come this close in the past and not reached our buy signal, so we want to wait and see.

Our strategy is designed to measure the trend, and when we see that the trend is our friend, we want to be “in,” and when the trend is not our friend, we want to be “out.”

We thank you for your confidence in us and our strategy. We know that it is not fun to be “out” while the market is going up. Our strategy will tell us when we are in a bear market every single time, that is a mathematical fact. Our strategy is not perfect and will also predict a bear market that doesn’t happen.

Does that make the strategy wrong? Absolutely not!

Our view is that our strategy is never wrong. When would it be wrong for us to protect you from harm?

It is never wrong to do the right thing. If the trend has changed in a bad way, we will act to protect you, and we will never apologize for doing so. If we want to achieve our goal of having your money last as long as you do, we believe we need to act decisively every time our strategy tells us to.

Over 50? Schedule a free retirement consultation with one of our financial advisors. We will help you to make the important financial decisions needed to create your personalized retirement plan.

  • Do you know if you have enough money to retire on?
  • Do you have a plan for what to do when the next market crash comes?
  • What are 5 strategies that you can use to reduce your income taxes?
  • How do you plan for your retirement cash flow?
  • What should you do to maximize your Social Security benefits?
  • Are you diversified the way you should be?

Look at the chart below:  

I would like to invite you to come to one of our seminars. They are designed for those of you who are retired or retiring soon, and they are free.

At the free retirement seminar we will answer these burning questions:

  • How do I protect my retirement from the next market crash?
  • How do I avoid three basic “pitfalls” of retirement distribution planning?
  • Am I on track to be able to retire?
  • When should I take Social Security? 62? 66? 70?
  • Am I diversified the way I should be?
  • How much can I afford to spend during my retirement?
  • How can I fight inflation?
  • How do I determine how much risk is appropriate for me?
  • Do I take my pension or a lump?
  • How do I avoid having 85% of my social security getting taxed?
  • Should I rollover my 401(k)?
  • How do I reduce my income taxes in the future?

Click here to reserve your spot at the next free retirement planning seminar

Click here to listen to this week’s podcast and hear the following topics:

  1. Ethics Above All Else
  2. What Not To Do With Your Financial Planner
  3. How To Take Spousal Social Security Benefits
  4. Did You Advisor Advise You To Get Out In December?
  5. Estate Tip: What You Need To Know About Death Certificates

We believe that the risk that we have today is different than anything we have had in history.

The hundreds of trillions of dollars of global debt put a significant strain on government’s ability to do anything about the next recession. In fact, we see all of this debt exacerbating the effects of any economic slowdown. The worst recessions that we have had around the world have mostly been the results of governments taking on too much debt.

It is our singular goal to keep our clients from becoming poor. Preserving the wealth that they have built is job number one for us. I encourage you to join the Money Matters family!

I believe that avoiding large losses is the single most important thing that we should be concerned about as investors.

Perhaps you were given a package by your employer. Perhaps you sold an asset and want to know how to properly invest the proceeds. Perhaps you inherited money and want to keep it safe and grow it if you can. Perhaps you just want a second opinion. These are all reasons for you to take advantage of all of the resources that we at Money Matters have to offer you.

We want to help you to achieve your retirement goals.

Thank you for subscribing to this newsletter. I hope it finds you and yours in good health and spirits.


Ken Moraif, CFP®, MBA