Rebecca Walser is the founder of Walser Wealth Management, a limited liability company that specializes in important tax and financial planning for high net worth individuals, businesses, and families. She says that she can help you grow your wealth tax-free, forever, and you never even have to pay anything from anyone ever again. She even considers traditional IRAs and 401(k)s a mistake for reasons that she seems to prefer not to say. And she claims that, as a certified financial planner, tax attorney, and really just an overall wealth strategist, she feels as though she’s plenty qualified to guide you.
So what are the usual methods that you’re taught before in order to be wealthy? Well, it’s always “work hard, then save hard.” Work hard enough so that your life becomes comfortable, save up and invest in your retirement, it’s common knowledge. The question now is where you should invest that money for retirement? Putting all your money in an index fund that follows the S&P 500 and hoping for the best? Yeah, it could work. That is if you’re lucky enough to retire when it’s at its all-time high (like it is right now).
But how about those who weren’t fortunate enough to take advantage of that high value? For example, from 2000 to 2010, for the first time in history, the S&P actually went down during that time? Needless to say, a lot of retired individuals are severely affected by that impact. Rebecca says, “And of course because markets are cyclical, we need to understand what comes next. What are we due for now, in these next ten years? The point I would make to you is that since we’ve had two bull markets, we are probably looking at repeating the ten-year period of volatility, because you’re not gonna have a twenty-year bull market.”
And if you factor in the occasional down year and lack of dividend payments by some funds, you can only get 4% to 6% returns a year, contrary to the 8% many believe. Most financial advisors will tell you to buy and hold, to get that 8%, 9%, even 10% over the life of your portfolio. But again, we’re averaging a bear market (meaning, a loss of at least 20%) about once every three and a half years. When that happens, remember, when the market rebounds, you’re now starting with a much lower number than your previous high. So it can take a long time just to get back to where you were, let alone beyond it. And yes. No one, and I mean no one, can certainly time these downturns.
That’s why Rebecca’s company, Walser Wealth, does what’s called “tactical management.” While they keep your money invested in a certain fund, they also allocate those funds constantly, based on various data that they collect. Regarding this strategy, she says this, “Meaning, we’re looking at eight to ten data points on a weekly basis, trying to determine which of the three different bear market cycles we’ve identified and which of the three different bull market cycles we are either entering, exiting, or remaining in.” Using this strategy, they’re able to determine the investment portfolio allocation mix for their clients.
“We don’t move to cash. We don’t sell your positions and move to cash. If we see recessionary concerns coming, we like to move you to vehicles that work well and perform well during recessionary periods. And if you become a client you’ll know what those are,” Rebecca states as she further discusses the benefits of joining her Walser Wealth Management program. But the biggest benefit of joining is that she claims that she knows a legal loophole in the tax code. By leveraging life insurance, you can build tax-free wealth and pass it on to your children one day. “This is the largest transitionary time period in the history of America. And not taking action now could be the biggest financial mistake of your life,” Rebecca states.
If you’re interested in what she has to say, you can book a call with her to find out more. The cost for joining the Walser Wealth program isn’t stated upfront, and it’s only told through the call. I don’t really see any negative feedback about Rebecca Walser herself or her company, so it may be a wise decision to hear what she’s gotta say about building your wealth, especially if you’re retiring.