YFE Investor Coach™
 
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The Importance of Your Financial Adviser
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Invest Like The Super Rich
Download and complete our proprietary 3-Minute Survey and 5-Minute RiskTolerance Form and either e-mail or fax them back with your most current 401(k) statement and will conduct a fee analysis  to determine the real cost of "hidden fees" on your portfolio. 
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3-Minute Survey
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5-Minute Risk Tolerance Form
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Read Me First Instructions
Please read the "Read Me First Instructions" document before completing the 3-Minute Survey and 5-Minute Risk Tolerance Form.

Benefits of Diversification 

Are all 10% average annual returns created equal?

 

Check out our compaison below.

 

 


The Tortoise and the Hare Investment Comparison


All 10% average annual returns are not created equal. Over 20 years, a consistent 10% return earned every year leads to a larger account value than alternating years of 0% and 20%. In fact over 20 years, consistent 10% returns lead to a portfolio worth 8.65% more. Assuming that you started the 20 year period with $100,000, you would have an extra $53,576 after twenty years.

Consistent returns are a benefit of diversification, because when one equity style or region of the world is doing poorly others may be doing well. You benefit from smoother performance with the law of large numbers working in your favor. Smoother performance creates not only higher account values but also less worry, which means that investors are less likely to get scared out of the market. Accordingly, our investors should be more likely to enjoy the benefits of prudent long-term investing. To learn more, call us or request your own copy of our "Free" brochure entitled, "The Tortoise and the Hare Investment Challenge."  
Full Disclosure
At YFE Investor Coach™, we believe that full disclosure is critical to your financial future and the only way we do business. And just like an inspired architect and reliable general contractor are essential to building a beautiful, reliable home, so it is with a financial adviser that is dedicated to full disclosure and is passionate about providing excellent investment solutions exclusively designed for you and your family.
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Upgrade To The Next Generation SMA Platform with YFE™
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Insights On Retirement, A Blog for the Intelligent Investor.

 

Please click on the words "Now Is The Time To Get Ready for Tax Season 2013!" listed directly below this sentence to open the blog and leave your comments or share your insights on retirement on a topic of your choice.
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Now Is The Time To Get Ready For Tax Season 2013!
By Cozy | November 19, 2012 at 10:18 AM EST | No Comments

Get ready for end of year Tax Season 2013, if you want to pay less tax this year. Now is the time to put the finishing touch on your end of year tax planning. One area of the tax code most tax payers fail to take full advantage of is charitable contributions. If you plan to make charitable contributions here are a few tips regarding what you’ll need to do in order to deduct those contributions:
.1. Determine which organizations qualify. - You can only deduct contributions made to legitimate qualified organizations. Donations to political organizations or specific individuals don’t count. See IRS Publication 526 to determine if an organization qualifies.
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2. Monetary gifts (cash or check) under $250 – You must keep a bank record, payroll deduction record, or written communication from the organization with name of the organization, date and amount of the contribution. If you give over $250 you also need documentation from the organization stating whether you received any benefits as a result of your donation.
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3. Noncash contribtions - If noncash contributions exceed $500, then you must complete Form 8283, Noncash Charitable Contributions. If below $500 then you complete Form 1040, and itemize donations under Schedule A. If your donation is valued at $5,000 or more, you must complete Section B of Form 8283.
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4. Keep good records and get organized now. - If you have any questions, or need any additional information, please contact me at 630.847.8371.
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Remember if you fail to plan, you plan to fail. So plan today on paying less tax in 2013!
Blog here.
The wealthy have accesss to pleasures and opportunities most people can only
dream of: mansions, private jets, exclusive clubs, and more. Investing through 
separately managed accountsused to be part of this exclusive list.

Smart, successful, savvy investors maximize the risk-adjusted returns of their 
portfolios by globally, keeping costs low, and minimizing taxs. Until now, most
investors were unable to accomplish all three simultaneously. But now, investors
are getting all three by upgrading with us. Shouldn't you?  
The wealthy have accesss to pleasures and opportunities most people can only
dream of: mansions, private jets, exclusive clubs, and more. Investing through 
separately managed accountsused to be part of this exclusive list.

Smart, successful, savvy investors maximize the risk-adjusted returns of their 
portfolios by globally, keeping costs low, and minimizing taxs. Until now, most
investors were unable to accomplish all three simultaneously. But now, investors
are getting all three by upgrading with us. Shouldn't you? T
A Closer Look At Mutual Funds
"I do believe that it is unethical for 401(k) providers not to disclosure 401(k) fees. But I also believe that is blatantly wrong to focus only on hidden fees and the expensive and unnecessary management fees that most 401(k) providers charge, when the added investment value, increased safety and customization of a separately managed account (SMA) versus a mutual fund is the more important issue. 

Compared with mutual funds, our next generation SMA platform offers higher, potentially safer returns and can be customized to meet each investor's specific needs and desires. Investors benefit from access to world class money managers, superior cutting-edge technology and the industry's most attractive pricing. We have the only major SMA platform that will globally diversify $25,000 or more in a customized asset allocation of 100% directly owned securities for a platform fee of under 1% per year.
 
Money managers included in our platform have all survived stringent analyses of their methodologies and returns. Methodlogies are selected according to their internal logic and consistency with theoretical and empirical research. Returns are evaluated for regularity relative to the appropriate style benchmark and out appraisal of the manager's abilities to produce similar returns in the future. Only the best money managers who survive our due diligence process are included on the platform.

Simply stated, our goal is to find the best money managers on the planet while keeping you focused on the goals that may make the difference between you acheiving your needs and desires versus the needs and desires of the financial industry. Truly, our next generation SMA program is one of the best-kept secrets in America!"                                                               
                           - Cozy Whittington
The wealthy have accesss to pleasures and opportunities most people can only dream of: mansions, private jets, exclusive clubs, and more. Investing through separately managed accounts used to be part of this exclusive list. Smart, successful, savvy investors maximize the risk-adjusted returns of their portfolios by globally, keeping costs low, and minimizing taxes. Until now, most investors were unable to accomplish all three simultaneously. But now, investors are getting all three by upgrading with us. Shouldn't you?
"High 401(k)fees can eat over a $100k or more of your retirement balance. Contact us at (630)847-8371 to stop the abuse. Haven't you given enough of your money to Wall Street? Call now and stop the abuse!" 

Cozy Whittington
Founder of YFE Investor Coach™

When you take a closer look at the mutual funds in you portfolio are they designed to help you acheive your needs and desires or the needs and desires of your financial adviser and the "big name" firm they work for?


Call us for a second opinion on your 401(k) portfolio now and learn how you may be able to earn more money for you and your family and a little less for Wall Street.


Call (630)847-8371 now. You'll be glad you did! 
Is Your Money Working As Hard For You, As You Are For Your Money?

Our exclusive team of independent advisers work with employers, 401(k) plan administrators, employee participants of 401(k) plans, and individual investors to provide the best possible money management solution at the most reasonable cost. Our globally diversified separately managed accounts offer several advantages over mutual funds.

 

Customization: Clients' portfolios are custom designed to match their needs and goals. Customization includes not only a globally diversified asset allocation, but also the ability to exclude specific companies, industries, and sectors, for both financial and/or socially responsible purposes. Your portfolio will match your needs and desires.

 

Continued Attention: Clients' portfolios are monitored to ensure that the guidelines of the Investment Policy Statement are followed. When deemed necessary, clients' portfolios are updated and rebalanced to improve the match between goals and investments. The primary reason for monitoring and rebalancing is to ensure that the risk of each portfolio remains consistent with the needs of each client. Your investments will stay on target.


Transparency: Clients can own all of their equities directly and this allows clients to view each equity they own 24/7. A mutual fund only reveals its investments each quarter, so you rarely know what companies are currently in the fund. With our SMA program, you know exactly what you own on a daily basis.


Tax Efficiency: Directly owning equities has several tax advantages over pooled investments such as mutual funds. The advantages are: not paying others' capital gains taxes, not paying others' income taxes, and tax lot harvesting. Paying less in taxes helps your investments grow faster.

 

Full Disclosure: Are you working with a financial adviser that is working for you or the firm that has trained your adviser the traditional way to earn a living in the financial industry? A trusted adviser should be more than just talk or initials after a name. Has your adviser disclosed to you how the biggest names in the financial industry have a vested interest in keeping your money in products that make billions for them and virtually assure that you will have to work longer to reach your investment/retirement goals? If not, your adviser is either naive or is working your account for their own self-interest and the interest of their firm (the Status Quo). There is no middle ground. Are you navigating the rough waters of retirement on tainted advice? Could you benefit from financially solid and unbaised advice? 

 

The advantages with us over the competition are clear.

 

Join the revolution!

 

Welcome to a better investment solution with a dedicated financial adviser that works for you!