The Investments
I do not use packaged products.
I will not sell you an annuity, mutual fund or product that was created by a large firm.
I have worked for a few large firms and the products they package to sell benefit the firm not the investor. I have been in this industry for over 24 years and my father was in the industry for over 27 years. I grew up in this environment and know with a little consideration and work you can do much better on costs and performance staying with mainstream investments.
With that said:
•I utilize Exchange Traded Funds as an “anchor” holding as they can best represent a specific or general market sector without the risk associated with individual stocks. Preferred stocks are used in the fixed income allocation of the overall portfolio but will also be used in the growth fund as their characteristics and yields can be a very attractive growth vehicle. Individual stocks are purchased on occasion to take advantage of market conditions and are not considered a core holding.I have extensive experience in options trading and will use an options strategy if I see it has value.