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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.

Thank You

Thank you for considering Shea WealthCare.  We will contact you shortly.


Consumer Privacy Statement
Shea WealthCare’s Sources of Information About You

We collect personal information about you from: The information you provide on applications or other forms.
(such as your name, address and Social Security number)

Your transactions with us Your investment advisor representative.
(such as updated information pertaining to your account)

Shea WealthCare’s Use of Your Personal Information
We treat your information with respect and concern for your privacy. We may disclose information about you to our staff, affiliates, representatives, their affiliated businesses, and nonaffiliated third parties who provide you with financial products and services. Nonaffiliated third parties may include retirement plan sponsors or third-party administrators, mutual fund companies, insurance companies and agencies, broker-dealers, and clearing firms. Our privacy policy is the same for current, as well as former clients. If you close your account, in the process of transferring your investments we may share your information with the new broker-dealer or custodian that you or your representative selects. If our representative servicing your account leaves us to join another firm, the representative is permitted to retain copies of your information so that he or she can assist with the transfer of your account and continue to serve you at their new firm. The representatives continuing use of your information will be subject to the new firms privacy policy.

We may disclose information such as your name, address, social security number, date of birth, transactional information or other financial information, when necessary for us to provide you with financial products and services or report on your account, or where disclosure is prescribed by law. For example, we report your tax related information to federal and state governments, and we may disclose information during the course of an audit or to law enforcement or regulatory agencies.

We do not disclose your information to nonaffiliated companies who intend to market their products to you. For example, we will not sell clients names and addresses to a catalogue or marketing company.

We may also disclose any or all information we have collected about you to entities that perform services on our behalf such as bank custodians, mutual fund transfer agents, clearing broker/dealers. We may also enter into an information sharing agreement with your employer or its contracted third party administrator.

We make this type of disclosure to better service your Shea WealthCare account or to inform you about Shea WealthCare products and services. Before disclosing your information, we require these companies to promise to keep it confidential and use it only for the transaction we request.

Information About Shea WealthCare Website
This consumer statement also applies to Shea WealthCare website.

Opting-out of Third-Party Disclosures
If you do not want us to share your information (other than as prescribed by law) with any nonaffiliated third parties, including the investment advisor representative servicing your account when he or she leaves us to join another firm, you may contact Shea WealthCare.

Securing Your Information
Our staff, affiliates and representatives who have access to your information are required to follow our procedures reasonably designed to keep your information secure and confidential. Our physical, electronic and procedural safeguards have been reasonably designed to protect your information.

If you have any questions regarding this policy, please contact Shea WealthCare.

Standard of Living

Nowadays, people are living longer so retirees are spending 30 years or more in retirement.

  • Determine your current situation.

  • Obtain the current value of regular accounts, pension plans, IRAs, and company tax-deferred savings plans

  • Plan ahead if you want to elevate, or at least maintain your standard of living going forward.

  • Invest in tax-deferred savings plans and tax-efficient sources to achieve your desired outcome for retirement.

  • Estimate your future Social Security benefits.

Shea WealthCare will work closely with you to review all pertinent information and goals, resulting in a personal roadmap that will get you where you plan to be (not just where you hope to be).

 You need to plan today for your worry-free retirement tomorrow. To arrange a Courtesy Interview, contact us, call, or email

Financial Concepts

The Wealthy

  • Know what true wealth is

  • DO things that most of us WON’T

  • Know that so-called ‘secrets’ are not secrets, they have been around for thousands of years!

  • Know the first step is to eliminate and not take on debt

  • Use advisors – accounting, financial, legal

  • Know how to eliminate financial stress

  • Know creating a plan is the only truly effective way to start to achieve wealth

You need to plan today for your worry-free retirement tomorrow. To arrange a Courtesy Interview, contact us, call, or email

 As a client of Shea WealthCare, 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! So ask us now, months or even years before your actual retirement date.

Insurance services

We can help you execute a sound tax-efficient savings program, designed to protect your assets, utilizing the following Insurance products* and services:

• 401(k) / 403(b) Rollovers
• IRA’s / Roth IRA’s
• Fixed Index Annuities
• Life Insurance

You need to plan today for your worry-free retirement tomorrow. To arrange a Courtesy Interview, contact us, call, or email

* No charges are made by Shea WealthCare for Insurance services as we may receive commission based compensation.  Product providers may  have charges as set forth in the applicable Prospectus(es), illustrations, and/or other disclosure documents which are presented to clients at the time of application, if not before.

Investment services

We specialize in providing quality investment advisory services designed to take the mystery out of investing.

We can help you execute a sound financial strategy utilizing the following Investment products and services:

• 401(k) / 403(b) Rollovers
• IRA’s / Roth IRA’s
• Fixed Index Annuities
• Managed Investment Accounts

Contact us today to learn more.


Professional Financial Planning

Professional Financial Planning is not merely a Report – it is a carefully structured Process

  • Designed to eliminate fear

  • Strategy for success

  • Roadmap to the retirement of your dreams

Our Client Centered Professional Services include:

  1. Help You Set Goals

  2. Gather All the Family and Financial Data

  3. Analyze All Your Information

  4. Prepare Your Personal Financial Plan

  5. Implement Your Plan

  6. Monitor the Results

  7. Continued Information

Take action now to develop and implement your Plan.  Shea WealthCare will help you actively personalize and utilize your Plan through regular reviews and relevant adjustments aligned with economic conditions.  We will keep you up-to-date and on track, according to our motto, “We’ll Get You There!”.

“In all things, success depends upon previous preparation, and without such preparation, there is to be such failure.”
~ Confucius (551-479 BC), philosopher

You need to plan today for your worry-free retirement tomorrow. To arrange a Courtesy Interview, contact us, call, or email

Welcome to the new Shea WealthCare

Welcome to the new Shea WealthCare website.  We are committed to helping you plan a successful and happy retirement!

Our Services

We provide investment advisory services that assist clients to reduce taxes, minimize risk, maximize growth, eliminate the fear of financial loss, and retire comfortably.


  • Quality asset allocation, income allocation and tax allocation advice

  • Investment structures to help manage risk and seek absolute return

  • Tax-Efficient income planning

  • Investment strategies designed to provide opportunities for growth

  • Financial solutions designed to help throughout a lifetime

“Who is most at risk?  People who don’t have much else in the way of assets other than their retirement accounts, as well as those with million-dollar IRAs, are most in danger of losing their savings due to the combination of taxes I’ve described.”
~ Ed Slott, National Tax Expert & Author, “The Retirement Savings Time Bomb”

You choose the service(s) you want.

“In all things, success depends upon previous preparation, and without such preparation, there is to be such failure.”
~ Confucius (551-479 BC), philosopher

You need to plan today for your worry-free retirement tomorrow. To arrange a Courtesy Interview, contact us, call, or email