"My main concern is that investors don't have a Plan B with their investment strategy. Plan A works when the market goes up. What happens when the stock market doesn't work? This is where a management strategy is so very important.  Investing is aprocess…not a one time event."- Bob Brooks

Buy and Hold for the long term…regardless of bull or bear markets!

It really is a pretty simple concept to grasp. 

You are a long-term investor.  Stay invested during the good and the bad times. The market always comes back. 

It is a catch-all answer to the tough questions.

"I am concerned that there is too much risk in the market." - Don't worry, you are a long-term investor.

"If we are in a bear market, shouldn't I get out of stocks?" - Don't worry, you are a long-term investor.

The financial services industry has the convenience of hiding behind this concept during the roughest of times. 

Buy-and-hold investing works great when the market is going up.  That is always your Plan A.  What happens when we turn into a market like 2007 - 2009 or the bear market during 2000 - 2002?  As investors, we are going to experience those tough times.  During those tough times, do you just buy and hold and stay invested as the losses pile up around you?  In my opinion, the answer is No!  You change to Plan B. 

Successful long-term investors have a Plan A and Plan B.     

What is the difference between Plan A and Plan B?  Well, it comes down to active management of the investments.  The Plan B strategy is an active management approach with the objective of keeping you out of harm's way and attempting to make money at the same time.  Management is a key component to Plan B. 

The management process starts the moment your money gets invested. Investing the money is the easy part.  Managing the investments is the most crucial part of the process.

Why so much emphasis on the management process?  I personally invest and manage money based on a verse found in the book of Proverbs...word for word TWICE!

“A prudent person foresees the danger ahead and takes precautions; the simpleton goes blindly on and suffers the consequences.”

If you listen to Wall Street, every day is the right day to invest money and the stock market is always going up. Believe it or not, there is a risk when you invest money.  There are consequences to buying and holding investments regardless of market conditions.

If we lived in a risk-free society, you wouldn’t need the management process.  Wall Street wants you to believe that we live in such a society. There is a problem with that train of thought. Whose bottom line does that ultimately benefit? Your bottom line or the bottom line of the financial services industry?  

I want to show you another way to grow your investments.

The Prudent Money Management Account

In 1992, I started my career in the financial services business.  I was drawn to the business in college and decided to major in financial services and planning.  My main desire was to help people and provide solutions. Ever since I began my journey,  I have been absolutely fascinated by how money works.

From day one in the business, I was told life insurance was the answer to everything.  I was given all the information on selling products.  However, I was turned off by the whole process.  I wanted to help people plan and manage. I didn't want to be a product salesperson.  

Since 1992, I have worked hard to develop an alternative for the sales oriented investment business.  A solution that had lower barriers to entry, was relationship based, was planning oriented, and most importantly had a safety valve if the markets became dangerous.

I have discovered one thing:

The financial services system works well for only a certain percentage of the population.  You stay informed, receive effective reporting, the money is managed, and you know that your advisor is a phone call away for anything that you need. 

You can easily have that type of relationship and be a part of that small percentage of people. There is one catch. 

You need about $1,000,000 to get started.  There is an admission to the country club - HIGH minimum investments!

What about for the rest of us?  What if you don’t have enough money to “join the club”?

Well, I have been able to solve this problem and I want to make sure that you know a few things.  First, my full-time job beyond hosting Prudent Money is managing and investing money and watching investment markets. 

Second, you can become one of my clients.  Unfortunately, it is tough to get around minimums due to how the system is set up. I have been able to get that minimum down to $100,000.  That can be one account or a combination of accounts. Regardless of the account size, every dollar is important and should be treated accordingly.  

So how do you go about the process?

I personally manage the money based on a proprietary system that I have developed. 

I can take the Prudent Money Management Strategy and make it work for your specific situation.  My clients also receive a private client letter that I write every other week. I want my clients to stay informed.  This is exclusive for my clients.

I make myself available for you and your needs.

I manage investments based on a fee schedule and not commissions.  I have a vested interest in keeping my clients happy.

I also can help in so many other ways regarding all of the other aspects of your money.

If your money is not being watched and you are not being taken care of, then we need to talk!  Please call me at (972)386-0384 ext. 200 or e-mail me at This e-mail address is being protected from spambots. You need JavaScript enabled to view it .