What We Do

Our Strategy

“After 33 years of wall street experience, academic and professional study, and extensive financial market research, I strongly believe that successful retirement investing comes down to 3 must-haves.”

Paul Sebetic, Founder Sebetic Advisors

Sufficient Allocation to Stocks
1

Investment portfolio should have a sufficient allocation to stocks

Throughout history, long-term investing in high quality U.S. dividend stocks has substantially outperformed bonds, cash, and inflation.
For each $100 moved from Long-term Government Bonds to Large Company Stocks, the expected return over a 30-year retirement will result in $81 more after-tax income to spend during retirement and a $261 higher ending balance to pass onto heirs.
2

Historically, disciplined stock investing with long term holding periods has eliminated the risk of loss from investing in stocks.

Since 1926, U.S. large company stocks have never had a fifteen-year period with a negative return.
3

Investing in a lower cost /tax efficient manner over a 30-year period makes a significant difference in the ending investment balance.

The Math Behind the Must-Haves

In the example below, we assume that three brothers each have one million dollars to invest over a thirty-year period. Behold the power of the “Three Must Haves”.

Brother 1
Invests 100% in BONDS

Cumulative Income Received

$590,000

Portfolio Ending Value

$1,000,000
Total Value
$1,590,000
Brother 2

Invests 100% in STOCKS

Cumulative Income Received

$1,400,000

Portfolio Ending Value

$3,610,000
Total Value
$5,010,000
Brother 3
Invests 100% in STOCKS in a LOW COST / TAX EFFICIENT MANNER

Cumulative Income Received

$1,400,000

Portfolio Ending Value

$6,220,000
Total Value
$7,620,000

Our Offering

Our Offering

A portfolio specifically designed for retirement investing


  • A comprehensive retirement investing strategy or an excellent complement to an investor’s existing retirement program
  • A thorough analysis to determine the optimal mix between stocks and bonds for each client (asset allocation)
  • Pays monthly distributions which in the first year will total 4% of the opening capital balance and targets annual increases thereafter equal to inflation. This is often adjusted to tailor to each investor’s situation.

Highly diversified


  • ETFs, stocks and U.S. government bonds
  • Stocks diversified by sector, industry, region, country, company size and style
  • Bonds diversified by issuer, maturity, sector, industry, region, floating rate and inflation protected instruments

Investments


  • Deep fundamental analysis and due diligence performed on each investment
  • Calculation of expected return over a 10-year plus holding period