Retirement Investing Rules Revealed

1
Retirement Investing Rules Revealed
Presented by David S. Richmond, CLU,
ChFC Chairman Chief Investment Officer Kira L.
Buffa Marketing Associate
2
Disclosures

• Richmond Brothers is a licensed Investment
  Advisor Representative in the states of Arizona,
  Colorado, Florida, Iowa, Kentucky, Michigan,
  North Carolina, Ohio and Texas
• Licensed to sell securities, annuities,
  insurance
• Affiliated with Sammons Securities Co., LLC,
  member FINRA/SIPC Midland National
• Richmond Brothers Financial Management
  Specialists, Inc. offers securities through
  Sammons Securities Co., LLC, member FINRA/SIPC
• Fee-based investment advisory services offered
  through Sigma Planning Corporation, a registered
  investment advisor

3
Disclosures

• Richmond Brothers offers securities through
  Sammons Securities Co., LLC, member FINRA/SIPC.
  The broker/dealer for Midland Nationals variable
  products is Sammons Securities Co. Sammons
  Securities Co. is a registered broker/dealer
  under the Securities Exchange Act of 1934.
  Sammons Securities Co. is an indirect wholly
  owned subsidiary of Sammons Enterprises, Inc., of
  Dallas, Texas, the ultimate parent company of
  Midland National.

4
Disclosures

• This is not intended to be a sales seminar. The
  purpose of this Webinar is to provide you with
  general information on investment tips
• There will be an opportunity to schedule an
  appointment for an individual consultation at the
  end of this Webinar which may result in a
  recommendation of specific financial products
  that may help you achieve your financial goals
• There is no obligation to schedule an appointment
  or purchase a product

5
Agenda

• Guidelines for Investing
• Overview

6
Do Not Invest Like a Fund Manager

• Lose the hedge fund mentality and
• invest for the long term

7
Do Not Let the Market

• SHAKE
• you out of a good, long-term thesis

8
Piggybacking Can Be A Winning Strategy

• Following a stock picker means
• STICKING WITH THEM

9
Try to Play with Houses Money

• Dont mind your winners, mine them!

10
Never Turn an Investment Into a Trade

• Continue to monitor your theory, your patience
  may be rewarded!

11
Dont Get Scared Out of a Good, Long-Term Stock

• Buy investments to be held for several years
• Make sure they have specific purpose in
  allocation of portfolio

12
Diversification

• If all of your holdings are up about the same
  percentage (correlating to the market), you are
  probably not adequately diversified

Diversification does not ensure a profit or
guarantee against loss it is a method used to
help manage risk
13
Never Buy the Best House In a Bad Neighborhood

• About 50 of stocks return is due to the sector
  and not the individual company

Source Real Money, written by Jim Cramer
14
You Are Not An Index Fund!

• Buy stocks in sectors you believe in
• Remember there is a large variety of good
  sectors to diversify into

Diversification does not ensure a profit or
guarantee against loss it is a method used to
help manage risk
15
Good Companies Are Better Than Bad Companies

• Choose sectors that might work focus on the
  best companies in those sectors

Disclaimer This chart is not meant to represent
any particular security, it is for illustrative
purposes only
16
Always Have Cash

• If possible, have 5 cash on hand

17
Do Not Invest In Things You Dont Know

• What are the indicators?
• Will indicators tell me in advance of movement?

18
Know the Downside, Not the Upside

• Be aware of how much you can lose

19
Worry About Making Too Much Money

• Scale out on the way up
• Invest into things that have not recovered yet
  

20
Cash Flow is Always KING

• Remember A dollar of cash flow can be spent or
  reinvested
• A dollar of appreciation can only depreciate
  

21
Overview

• Make a plan and stick with it (once youve done
  your research)
• Dont let your emotions or short term news get in
  the way of your plan
• Invest in what you know
• Know the risks
• Make sure you have cash flow in the distribution
  phase

22
Questions/Suggestions

• E-mail Kira at kira_at_richmondbrothers.com or
• Call toll-free [phone] ext. 17

23

• Thank you for joining us!