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Q. How do I protect my assets?
A. Planning and investing is like any journey. You don’t get there by going in a straight line (like a buy and hold strategy for investments). Sometimes you have to swerve to avoid potholes along your path. Sometimes you have to take a detour (sell and rebalance) to get to your destination safely. Sometimes you have to go to zero mph (read go to cash) at a red light, but you know that’s the safe way to ultimately get to where you want to be vs. blasting through the red light and risk a very negative outcome. And sometimes you get stuck in a lengthy traffic jam because of something you had nothing to do with like an accident or construction. But the goal is to keep your “eye on the prize.” A comfortable retirement (or whatever goal) is the ultimate destination.

Q. If we are headed for another “Great Depression”, what do you think about it?
A. Even in the great Depression, many millionaires were made.  In every downturn, there are places to make money, therefore, it’s good to be gaining the macro view of the overall economy to know how to get through a storm.  When the time comes, we may very well be poised for some of the best investment opportunities of a lifetime.  Investors who heed the warnings and advice will be ahead of the curve in learning and applying the new investment paradigm of active management (not buy and hold).  Real estate will again be affordable for most of our children.  Our nation will have the opportunity to return to a much more healthy position, if we learn the lessons.  If you have cash, now is the time to wait for some great buys. Those who have money are able to purchase goods at bargain prices in recessions or depressions.  Since the timing for when the best price of any given product will vary, consult Shea WealthCare before making any major purchases.  – REMEMBER – WE WANT YOU TO CONTACT US WITH YOUR “HERE’S WHAT WE’RE THINKING ABOUT DOING” QUESTIONS, NOT YOUR “GUESS WHAT WE JUST DID!” COMMENTS!

Q. How do you prepare to be on the right side of such an historic opportunity?
A. 1.  Pay down personal and business debts and/or refinance to lock in historically low interest rates.
2. Sell unproductive real estate and business holdings that you don’t expect to want or need three or four years from now to help reduce debt and/or raise some cash.
3. Be patient, wait and preserve capital by either “hunkering down” in cash or short term cash based investments, or
4. Use a non-emotional, technical trend investment strategy that allows you to participate in up trends while knowing we will quickly raise cash when trends turn negative.

Q. I’m a business owner and really concerned about what I should do.
A. I see businesses that are well managed, with hard working owners, no debt, proactive thinkers, doing ok to great by taking market share from competitors. I reinforce how good they are, from a business and balance sheet perspective. Those business owners who existed over the past 20 years who waited for business to walk in the door, didn’t reinvest back into their businesses, took out too much in wages, and are deeply in debt are being washed out.  A good cleansing winter is here for them.  Be patient!!  This is an opportunity of a life time to increase market share.  Pricing power will come back once your competitors get washed out. It is tough making less money. When every year for the last 15 years everyone, basically, made more money and now it has been less. The fact is that they have no debt, great cash reserves, will be paying lower income taxes, and that they are still in business.  Invest in yourself, maximize cash flow, be safe and liquid.  Be ready for spring.  I am ready and 95% of my clients are ready too. I have discussed with my clients that the silver lining to negative or a realist approach is that we will be ready for the buying opportunities of a life time in 3 to 5 years or so.  The worst that could happen is that you still have your money and no debt.  Not a bad place to be when the odds are in favor of a major economic collapse.

Q. What should my investment approach be?
A. I have been suggesting to people that no one knows the future, but with all the detail suggesting a negative outcome it seems prudent to leave the traditional asset allocation model aside. We should take a more defensive and proactive approach, Our risk is the market may go up 10% or so without us, but the downside could be three or four times that.  We will be reevaluating as we go.  We can always make a new decision to reenter, but only at the great prices we are expecting.

Q. Who wants to hear the most likely direction of the equity markets is down?
A. Markets have to go down to provide opportunities to rise again. We want to identify those downturns, minimize the negative impact and take advantage of them with a more conservative approach.  Here’s a math one – if you lose 50% you need to get 100% on the remaining balance to break even.  If you lose 15% you only need 18% to recover.  We never WANT to lose money but if markets do get bad, we can win by not losing.  You CAN recover if you don’t have to take unreasonable risk.  Knowledge is power.  We provide information to help you keep markets in perspective and help you know you can control your own destiny.

Q. How and what do I do to avoid losses in a down market?
A. Every loss on an investment has another person making a profit on the other side of the transaction.  We need to be aware of this and take advantage of the opportunities that a down market provides us.  It isn’t how much you make, rather how much you keep – knowing that we have difficult times ahead, it is easier to weather the storm.  We are looking for sectors that will do well with the aging baby boomers – not all of them are clear at this moment but like the early days of computers, as things move along, we will know which direction to go (using the S curve as an example).  We discuss the difference between traditional buy and hold being subject to the whims of the market and Greenspan’s “irrational exuberance” – taking a more tactical approach of sector rotation makes sense: be in the market when it is moving up, get out of its way when it is moving down. Think about the first time you went swimming in the ocean. We all learned about rip tides – do you swim against the tide? No, you get out of its way. That is what we do when we examine the market. Get out of the way when it isn’t moving in the direction that works for us.

Q.Should I Annuitize my annuity contract?
A. That depends!  Annuitization is an irrevocable decision. That means you can never choose another option, thereby you lose control of your money.You gain guaranteed lifetime income that you can’t outlive (stops at your death).  If you have dependent beneficiaries, you may elect to choose a period certain option with a  reduced benefit (if you die before the end of the period, your beneficiary would receive the same benefit, but only until the end of the period (usual options are 10 or 20 years certain).  If you die after the end of the period, nothing would be available for your beneficiary.

The downside is you cannot access for emergencies, and run the risk that the income is not going to be enough in later retirement years due to rising inflation and taxes.

That is why, if you choose to annuitize, a good rule of thumb is to have no more than 20% of your portfolio in the contract.  Always carefully research and obtain all the facts about the contract you are considering annuitizing, then review the pros and cons, and only then make your decision.

You should always review your values, goals and objectives with your financial advisor, who will then be in a better position to suggest appropriate products and options which may better help you solve your problem, rather than band-aiding it.

Q. Fear government, how bad is government?  What going to do?
A. Politicians don’t want to reveal what they know and have done.  Do a Google seach to the National Debt Clock – in real time.  National debt this fiscal year is more than the first 200 years of this country.  You have to protect your assets.

Q. Don’t know codes
A. Most people have not read the 70,000 pages of the tax code.  The wealthy seek advisors who can help them take advantage of the tax codes.  Use this year as an opportunity to rid your silent partner, the IRS, of increasing claims on your retirement accounts by paying them off at today’s known low tax rates.  It is important that the investment decisions being made are appropriate for this time.  When meeting with my clients I try to focus on their family and events in their life that bring them happiness.

Q. I didn’t know it existed – Why hasn’t anyone told me?
A. Either they didn’t know, or just didn’t think enough of you to share the information.

Q. I heard the term “Echo Boomers” in conjunction with market recovery.  Can you expand on this for me?
A. Patience! In a few short years the economic cavalry is coming in the form of millions of echo boomers as they begin starting their families, starting and innovating companies, and generally becoming productive members of our economy.  The wealth of a nation is its’ young people as they become innovative and productive.  Mix liberty and freedom with youthful ambition, intelligence and skills, and you get genuine, sustained economic growth. Those ingredients are all in place for the near future. Add to that the current emotional fear and confusion and you have great opportunities for building your net worth.


Wealthy individuals who have achieved various levels of financial freedom have discovered the secret to eliminating money worries.

It is so simple, but not necessarily easy, to be wise about managing your money. 

Once you decide that you are truly tired of money worries, you must start and then religiously follow this simple plan to achieve the first level of financial stability:

1.     Get out of debt
2.     Stay out of debt
3.     Save more than you spend
4.     Have enough assets to pay your expenses for at least 3 months
5.     Have hospitalization, life insurance and disability insurance to protect your lifestyle in case of death or disability

At this point your money worries should be long gone! 

You have gained peace of mind knowing your family’s lifestyle will not be compromised in case you have to locate new sources of income. 

You might even become so enthused while listening to Johnny Paycheck’s “Take This Job and Shove It”, that you actually do quit that JOB, and set your sights on accomplishing your very fondest dreams.

Shea WealthCare – We’ll Get You There!

Protect Your WEALTH!

The Shea WealthCare Difference

You want to improve your standard of living in retirement and leave a lasting legacy, one that will make a difference for generations to come.

We help you significantly increase your retirement income, cut taxes, particpate in market type gains without fear of loss, without increasing your budget. We work with your Attorney and CPA to establish your perfect plan, and expertly implement it for you.

You need to plan today for your worry-free retirement tomorrow.

Schedule your confidential Courtesy Interview, contact us today!

financial advisorEssentially, MONEY!

“The IRS is waiting to grab up to 90% of your hard-earned retirement savings ~ it’s absolutely critical that you understand the tax laws and rules.”
~ Ed Slott, National Tax Expert & Author “The Retirement Savings Time Bomb”

To discuss your tax strategy, schedule a Courtesy Interview with us. Please contact us, call, or email