Smart Money Risk Advisors

Smart Money Risk Advisors We are Smart Money. I am privileged to have helped many folks make safe and smart choices with their money. Our clients are sleeping well.

Helping our friends and right-fit clients reduce risk and improve outcomes with their money... while avoiding the two biggest financial blunders almost everyone makes. And because we never experience a loss with our strategies, the consistent gains we provide compete very favorably with a volatile market over time. We offer strategies that generate income every month and returns every year. You ne

ver lose principal, and you will never give your gains back to the market. You can enjoy what all my clients enjoy... Safety and Opportunity in the same vehicle... on the same money... and at the same time. The best part is, our strategies are simple, intelligent and automatic... allowing you to maintain the standard of living you enjoy now for the rest of your life. As I reflect back, the best reward I could have ever hoped for came years ago after a brutal 18 month market correction. (2008) I met with a couple in their mid 70s for their annual review. As we reviewed their annual statements together I explained how the overall market was down by about 45% during this 12 month period, but because they chose to work with me one year ago, their entire account balance was preserved. Rather than 40% losses, they enjoyed a 13.68 % gain for the year. Tears fill their eyes as they thank me for helping them protect their nest egg... as well as their dreams... their lifestyle... and their dignity. Our strategies are designed for those in the Preservation Stage of the Money Cycle... where protecting and keeping their money is more important than record-setting growth. As some have said... "we're more interested in the return OF our money, than the return on our money!" Let us help you with the money you don't want to lose. Over the years, we realize that our real value will be measured by the things we do differently, the level at which we serve, and the problems we solve for our clients. Obviously, we can’t be the perfect fit for every client, but when the fit is good… it’s usually very, very good. Those who become our raving fans just seem to settle into a deeper level of satisfaction in the way we care for them and the concerns they were dealing with when we first met.

08/06/2024

Recent market meltdowns have many investors very nervous. Stockbroker salespeople are telling their clients “not to panic… the market always comes back.”

This is poor advice for those nearing retirement or already retired. Many have realized they can no longer tolerate the high level of risk they’ve embraced over the years.

Here at Smart Money Risk Advisors we haven’t changed our tune — Since 1995, we’ve been helping our clients sleep well at night by reducing risk and improving outcomes… by designing guaranteed programs that provide peace-of-mind and an income stream they’ll never outlive.

This approach brings with it confidence and dignity in retirement.

When you’re ready, I’m here. Let’s talk.

There are several challenges facing all of us as we grow in age... and you don't need to be retired to be concerned abou...
04/15/2024

There are several challenges facing all of us as we grow in age... and you don't need to be retired to be concerned about this. As a matter of fact, things will work out way better for you if you look at a few of these concerns in your late 40s or early 50s and plan early. If you missed that window, TODAY is the best day to start.

The main concern facing those in or nearing retirement is "Running Out of Money". Will they run out of money before they run out of Life? It's a great question. And it's one that can be solved ahead of time rather than sitting there helplessly watching it unfold in real time. Remember folks... hope is not a strategy.

We help our clients solve problems like this... right now, we have a strategy that guarantees 6.5% growth in an Income for Life Account (great for IRAs). Every 100K moved here will grow to 187,700 in 10 years, and 352,364 in 20 years. Then, we can turn that guaranteed growth into guaranteed Income for Life that you'll never outlive. No more worries, no stock market concerns, no running out of money.

Many of us have worked 40 or 50 years to get here. Maybe you're trying to figure out how 2% growth will fund your 'golden years'. Others are still playing high-risk games with their life savings. Trust me folks: there is coming a day when the music will stop.

If you'd like to turn uncertainty into guarantees, right now may be the perfect time. When you're ready, I'm here. Let's talk.

03/21/2023

The IRS has recently clarified new rules regarding Required Minimum Distributions (RMD) from IRA accounts: The old law regarding RMD required taking RMD after age 70.5. The first round of the Secure Act changed that to require RMDs in 2023 if you are or become 72 in 2023. Most recent clarification again changes the age... this time to 73.

If you turned 72 last year or this year, you are entitled to take withdrawals this year, but there are no IRS Required Minimum Distributions for 2023.

The S&P 500 right now is down about 22% year to date. If we take a closer look, we learn that the S&P500 has only made N...
10/05/2022

The S&P 500 right now is down about 22% year to date. If we take a closer look, we learn that the S&P500 has only made NEW MONEY in 7 of the last 22 years. It either lost money or recaptured previous losses in 15 of the last 22 years. On the other hand, our clients MADE MONEY in 15 of the last 22 years and lost nothing the remaining 7 years with ZERO STRESS.

If you're in the Red Zone within 10 years of Retirement, you should now be in the Preservation Stage of the Money Cycle where your money is protected. No Risk. No Stress. No worries. Things may get a lot worse. Let me know if I can help.
708-254-zero300

07/21/2022

Many of us are Savers and Investors. We've been growing our money for years... 401k plans, Brokerage Accounts, Stocks, Mutual Funds. We've been blessed with incredible growth... all well and good during the 'good times'. But where do you think we find ourselves today? In times of intense financial pressure, where the potential for a severe market meltdown is much greater than anything we've seen in 20 years... Reducing Risk & Minimizing Mistakes is the name of the game.

In times like these... RIGHT NOW... it's time to focus on Preservation - it's one of the 3 Steps in The Money Cycle, and cannot be ignored. If you're within 5 years of Retirement, it is CRITICAL that you do whatever you can to preserve and protect that which you've worked your entire life to accumulate.

Over the past 6 or 7 months, this market has produced the worst results we've seen in 40 years. The scariest thing is that we're probably just getting started.

We specialize in providing preservation strategies that deliver the peace-of-mind most of us are looking for as we near Retirement. If you'd like to learn more, I'm happy to sit down and share some ideas that will reduce risk and help you sleep at night without worry. Give Lee Tibstra a call at 708-two54-0300.

You're heard the talk... "Recession on the horizon"... which raises the question: Will a Recession Rob my Retirement? ...
06/21/2022

You're heard the talk... "Recession on the horizon"... which raises the question: Will a Recession Rob my Retirement?

Send me your name & email address and I'll send out this Guide that will look at four areas to address to help ensure you can weather a drop in the market. No Charge. No Hassle. No Pestering. Just some solid advice. Get it now.

Drop me an email at: [email protected].

Scary Times? No doubt.As I write this, the Dow is down by 800 points, and it's only 10am. The overall stock market is d...
06/16/2022

Scary Times? No doubt.

As I write this, the Dow is down by 800 points, and it's only 10am. The overall stock market is down over 20% and the "safe haven" Bond market has also been getting crushed. A year from now, the numbers will look much worse than they do today.

Meanwhile, gasoline has doubled... groceries are way up and getting scarce. Real Inflation has gone from 2% to about 15% in the last 12 months, and Mortgage rates have recently doubled.

If ever there was cause for concern... it is NOW.

We've been helping right-fit clients reduce risk and improve financial outcomes for over 40 years. We're not the perfect fit for everyone, nor do we try to be. But if you are concerned and would like to preserve your nest egg and keep your money, the fit is usually very, very good.

Let's get together over a cup of coffee and talk about some guaranteed strategies that will stop the bleeding and preserve your nest egg for decades to come, while providing an income for life you'll never outlive.

Peace of Mind and No More Stress. Preserve your Retirement and your Lifestyle once and for all. Call Today 708-254-0300.

Economist, retirement expert & mentor, Tom Hegna shared this message of wisdom with me today... “This is why you want t...
05/29/2022

Economist, retirement expert & mentor, Tom Hegna shared this message of wisdom with me today...

“This is why you want to at least cover your basic living expenses in retirement with guaranteed lifetime income. A diversified portfolio is fine for your Playchecks but stocks are NOT appropriate for your retirement PAYCHECK! Do NOT withdraw money from your portfolio when markets are down.”

Friends, if you're in that Red Zone within 10 years of Retirement and feeling nervous about the market and where its headed, let's get together for 30 minutes and see if there's mutual benefit in continuing the conversation. Lee Tibstra, 708-254-Zero300.

11/17/2021

MEDICARE PREMIUMS GOING UP FOR 2022

Just an FYI: the Medicare Part B premium will be increasing from $148.50 to $170.10 in 2022. Largest increase in the history of Medicare!!!

Thank you Joe Brandon.

Address

4918 Kingston Way
Naples, FL
34119

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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