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Making Your Wealth Last a Lifetime.

One of the key measurements of successful active management lies in the ability of a manager or a strategy to deliver above-average returns consistently over multiple periods. Demonstrating the ability to outperform peers repeatedly is the only proven way to differentiate a manager's luck from skill.

Retire Smarter rescues retirements by doing what very few financial advisors are willing to do - Be careful, pick the tools that maximize the upside of the markets, while absolutely eliminating market risk to principal, and being very uncomfortable with the possibility of seeing our clients take any losses. Are you paying your broker to underperform the market?

We’ve all been taught to ‘Buy & Hold’
—But who does it benefit the most?

During a 5-year period ending in 2016, the SPIVA® U.S. Scorecard reports that 88.30% of large-cap managers, 89.95% of mid-cap managers, and 96.57% of small-cap managers all underperformed the S&P 500, the S&P MidCap 400®, and the S&P SmallCap 600®. The figures are equally unfavorable when viewed over longer-term investment timelines.

We're paying money managers to lower our returns.

We’ve all been taught to ‘Buy & Hold’
—But who does it benefit the most?

During a 5-year period ending in 2016, the SPIVA® U.S. Scorecard reports that 88.30% of large-cap managers, 89.95% of mid-cap managers, and 96.57% of small-cap managers all underperformed the S&P 500, the S&P MidCap 400®, and the S&P SmallCap 600®. The figures are equally unfavorable when viewed over longer-term investment timelines.

We're paying money managers to lower our returns.

We’ve all been taught to ‘Buy & Hold’
—But who does it benefit the most?

During a 5-year period ending in 2016, the SPIVA® U.S. Scorecard reports that 88.30% of large-cap managers, 89.95% of mid-cap managers, and 96.57% of small-cap managers all underperformed the S&P 500, the S&P MidCap 400®, and the S&P SmallCap 600®. The figures are equally unfavorable when viewed over longer-term investment timelines.

We're paying money managers to lower our returns.

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