Archive for 'Retirement'

How to Retire Early with Less Money

“EARLY RETIREMENT”.  It seems to be the most popular phrase in our conversations for many of us. Is it because so many of us just hate our jobs, our bosses and/or our co-workers? Is it all of the above? Maybe you just heard that your wife’s goofy second cousin just retired at 49 with a huge retirement package and that’s driving you nuts. Or it just may be that a large portion our population, The Baby Boomers, are coming to retirement age all at once. Whatever the case may be, if you’re in that age group, you need to start thinking about some of your options for retirement like Social Security, Nursing Homes and other important decisions.

How to retire is one of the most pressing issues of the day. Countless readers have turned to Seeking Alpha to handle the challenges that face retirees today. Retirees need to know how to plan their cash flows, how to build a steady portfolio, and what levels of expectations are sensible. It is painful to hear from retirees who state they “NEED” a 14% return per year. Even with high volatility and risky investments, sustaining 14% annually is an insanely aggressive plan, and it certainly wouldn’t be likely to come in a steady sequence.

Today, I will be using hypothetical situations many readers may face. They aren’t professional investors and don’t have a huge portfolio. It would be easy to plan retirement with $10 million. So instead, let’s make it less: $500,000.

Market environment

The current interest rates available on bonds are low. Bonds are a difficult way to generate income unless it’s with a huge portfolio. The market is seeing all-time record highs day after day. Investing today should be done with caution. The investments I would choose are companies that are large and have a strong track record. A retiree today could invest in an income portfolio and expect solid dividend yields. Large companies with a great track record are unlikely to cut their dividend – even in harsh times. Short-term volatility of the market may be significant, but the income source should remain almost entirely intact.

Nursing homes

Nursing homes, for a prolonged period of time, would almost certainly drive most retirees into bankruptcy or an early grave. Skilled care costs are high enough to decimate a retirement portfolio. If you are considering this option, or know someone who is, please speak with a financial planner about designing a legal structure to protect your capital in the event of a forced bankruptcy.

 Social Security

On a sheer numbers standpoint, there is definitely something to be said about waiting as long as possible to take SS. However, there’s also something to be said about taking it early. A lot of this depends on the individual retiree and what’s important to them. How long do you believe you will live? How will your quality of life be for the years you are not collecting SS? Are you carrying any high interest rate debt? I urge investors/retirees to be honest with themselves.

For this scenario, I will be having the retiree taking out SS as soon as possible. If an investor is unsure of whether they will live to be 65 or 105, taking it early may be wise. Let’s say if an investor at 63 pulled SS today, it would come out to $1,500 monthly. This comes out to $18,000 a year.

Challenges

Every retiree or future retiree faces their own unique challenges. Being committed to a plan and being frugal is extremely important when planning for retirement. I urge you to be diligent in your planning. Plan for every expense you can think of. After that’s done, see what expenses can be cut/reduced. Every retiree doesn’t get to retirement with $10 million, but we all have the capacity to do our due diligence.

Portfolio investing

Let’s start looking at building a portfolio that is filled with strong dividend investments. An investing strategy should help you sleep at night. Investing should not keep you up at all hours of the night wondering if your 16% dividend yielding company is going to go bankrupt tomorrow. I will be focusing on dividends to supplement income. The plan is to buy and hold 20 of the best dividend stocks on the market.

Let’s begin!

MO and PM

My first and second picks are probably obvious: Altria Group (MO) and Philip Morris (PM). I consider MO’s dividend history applied to PM. Altria Group has raised their dividend for 47 years. Both of these companies have massive market share and sell an addictive market. They are also showing the ability to transition into new products. Philip Morris is testing their new technology in international markets: IQOS. The FDA announced a plan to reduce nicotine in combustible cigarettes. Since then, MO’s price has been down. I believe this is good news for Altria Group. Once MO is cleared to sell IQOS domestically, sales should go up substantially.

PG, MMM, and JNJ

Third, fourth, and fifth picks:

Procter & Gamble (NYSE:PG) has 60 years of dividend increases. 3M (MMM) has 58 years of dividend increases. Johnson & Johnson (JNJ) has 54 years of increases. All of these companies have something else in common: product diversity. Within their sector, these companies are giants. All three have products that are probably in your residence. When it comes to dividend portfolios, these three companies should be at the top.

KO and PEP

Sixth and seventh:

Coke (KO) and Pepsi (PEP) combined come to 98 years of dividend raises. While the growth of either company looking forward is debatable, their ability to give out dividends is not. I’m not thrilled with the direction Pepsi’s management is driving the company in. I did not pick either of these up for excellent growth potential. KO and PEP have a great dividend and they sell junk food. Junk food sales are going down, but KO and PEP are transitioning into healthier products.

 

LOW and HD

Eighth and ninth:

Lowe’s (LOW) and Home Depot (HD) are the kings of their niche. I find it difficult to believe a new player will be able to come in anytime soon. When I’m deciding which one to shop at, it’s almost always which one is closer.

O and NNN

Tenth and eleventh:

Realty Income (O) and National Retail Properties (NNN) are two of the strongest REITs on the market. Both are exceptional at choosing tenants. In a market that is seeing harsh criticism, both are putting up extraordinary numbers. When it comes to yields near 5%, these are two of the best. Exceptional management and a strong dividend history separate these two from most REITs.

T and VZ

Twelfth and Thirteenth:

AT&T (T) and Verizon (VZ) are the two gatekeepers of mobile internet access. If telecommunications can be too big to fail, these would be the first players to receive the designation. These are leaders in their sector with strong dividend yields and cheap P/E ratios.

AAPL

Fourteenth:

It’s hard not to put Apple (AAPL) into a retirement portfolio. The dividend yield isn’t all that high, but best of luck finding a safer one. Easily covered dividend, massive company, and a tech allocation is good for diversification. Apple saw a significant rally in price recently, but long-term, this is one of the safest tech options.

XOM

Fifteenth:

Exxon Mobile (XOM) is a huge oil company with low beta. XOM is a good fit for almost any dividend growth portfolio. XOM’s enormous size gives them political influence. It would be hard for oil to become obsolete when oil donates heavily to congress.

V and MA

Sixteenth and Seventeenth:

Visa (V) and MasterCard (MA) are another two companies that dominate a sector. Visa is the leader in electronic payments. The company is “everywhere” and we are moving towards a cashless society. The service Visa provides is difficult to replicate. MasterCard is a strong competitor of Visa.

WMT

Eighteenth:

Wal-Mart (WMT) is arguably the king of retail. They’ve shown great progress in the e-commerce market. I believe WMT is protected if retail continues to fall off. Wal-Mart’s rapid growth in e-commerce makes them second only to Amazon (AMZN).

 

MCD

Nineteenth:

McDonald’s (MCD) is the king of fast food. The company also has 40 years of dividend raises. The dividend isn’t as impressive as some on the list, but the consecutive raises are impressive. MCD may have questionable future growth with competition from mobile ordering making other food more accessible. However, I don’t see the dividend going anywhere.

SPG

Twentieth:

Simon Property Group (SPG) is still going to be around decades from now. Investors are generally terrified of the mall REIT space. Anything associated with retail gets hammered. However, the malls in SPG’s portfolio are exceptionally strong and maintained well. Even as e-commerce grows, the malls are not going to die. Stores will be replaced, but the landlord should be fine.

 

Read more on Early Retirement

A lot of us start out investing in different Mutual Funds for retirement because we feel that we need to be more aggressive in building up our portfolio.  Now that retirement is just around the corner or maybe it’s already arrived, it may be time to move that portfolio into something more stable.  Here’s a couple ideas to do that .

In a previous article, I discussed various ways that investors can accumulate their nest egg. One strategy includes putting a portion in one or a few attractively valued dividend growth stocks every single month and reinvesting dividends selectively. The other strategy involved investing in index funds, using tax advantaged accounts such as 401(k) for example.

Traditional vehicles for saving such as index funds and target-date funds work well when you accumulate your nest egg, but could present a challenge if you try to live off them. Many retirees prefer to have a stable and growing source of income, which maintains purchasing power over time, and is not dependent on the manic-depressive swings in stock prices. Therefore, investing in dividend growth stocks is the ideal way to generate income from your nest egg in retirement, due to the stability of dividend income. Therefore, if someone were to accumulate their nest egg in other items such as index funds, but wanted to convert to dividend investing, there are two ways that they can achieve that.

The strategies outlined in this article also work for situations where you have a lump sum amount, and you are thinking of investing it.

The first strategy involves selling all funds in your portfolio, and using the proceeds immediately to create a diversified portfolio of quality dividend-paying stocks.

This strategy is quick and easy to achieve, as it involves just a few steps. If you want to make the conversion all at once and not have to worry about how to invest the amounts for months, this is likely the best deal for you. If you could find 20-30 quality dividend-paying companies, which are also attractively valued, and your money is spread in several sectors, you could be done with this exercise in one day. After that, the only thing to worry about would be to monitor the investments, decide what to do with dividend income, and enjoy life.

 

Read more on Dividend investing

Top Dividend Stock for Retirement Portfolio

Planning for your retirement can be as easy as finding a top rated company that’s been around for a long time, has increased and paid out a dividend forever and you can pick it up on the cheap right now.

Dividend growth investors for a more secure retirement are a special breed. We see value when there may not be as much value as we would like. We see an opportunity to increase our income right now when a dividend aristocrat like Johnson & Johnson (NYSE:JNJ) is already correcting by 10% or more.

The focus is income for retirement, and my approach is to avoid timing the market and by taking advantage of what I consider fair pricing for a super juggernaut stock like JNJ.

Well, to my naive approach I see a stock that is not going out of business, is part of everyone’s lives around the world, has a name brand that is recognized by just about everyone, and has paid and increased its dividend for more than 25 consecutive years (52 years to be exact), through good and bad times and has even beaten wall street estimates this quarter.

Yes the company had guided lower back in April, so the results seems to have disappointed some analysts. That being said, it was less than a month ago that even Jim Cramer suggested that JNJ could unlock 50% more growth within the company itself by perhaps breaking the company up into three separate entities. That may or may not happen, but I believe that even if the company stays the way it is, dividend growth investors can now take advantage of an accidental high yield of 3.07% due to the drop in the share price from its 52-week highs.

 

Read more about J&J

Financial Advisor Prefers Modesty for Retirees

After the financial pummeling investors have endured over the last decade, there is a palpable loss of confidence in the stock market – and a loss of patience. In response to the demand from increasingly conservative consumers, safer financial strategies are slowly evolving, even as riskier propositions are dying out. Financial advisors have not always sought to protect client portfolios from market risk, preferring a “wait and hope” approach to investing that relies in the market to bounce back up when it dips. But now, an entire generation of investors is looking for a safety net for their capital in retirement – and that’s exactly what today’s savvy financial advisors, like John Convery, aim to provide.

As founder and CEO of The Educated Wealth Center, LLC in West Palm Beach Florida, John describes himself as an advocate and educator for retirees. “You shouldn’t have to lose sleep at night wondering if you’ll have enough to live comfortably. There are proven strategies that align your resources properly to ensure you will always have enough,” he says. One of those proven strategies lies in knowing how to use annuities to ensure a constant flow of income – a pitch that isn’t always popular.

Annuities have developed a bad reputation, and some of it is deserved. Once you’ve heard one horror story, it’s hard not to treat every one of the dozens of different types of annuities as suspect. You’ve probably heard the story of the retiree died before pulling his money out of his annuities – and the insurance company kept the money. It’s the black sheep in the Annuity family that everyone talks about. But annuities deserve a second look. When it comes to protecting capital while still maintaining steady cash flow, fixed indexed annuities especially can be a central component of a solid portfolio.

When advising his clients, John Convery lists the safest types of investments: certificates and deposits with certain banks, US Treasury Notes, Fixed and Indexed Annuities. The problem with all of those investments, he says, is that interest rates are so low that “You die a death of a thousand cuts.” Indexed annuities are the notable exception.

“We like to see clients using indexing so they can benefit from the gains of the market without risking the losses. Over time, indexing should allow them to keep their incomes in pace with inflation.” However, he warns, “It’s not going to allow you to make a fortune in the market. But over time, it should allow you to outperform inflation. If you can accomplish that, then you’re going to be all right. Modest goals for a modest time, but in a market this volatile, feeling financially secure is worth a fortune.”

Read more: http://www.educatedwealthcenter.com/john-convery-west-palm-beach-fl.php

CONTACT: Matt Collins, 800-980-1626, matt@celebritybrandingagency.com

Web Site: http://www.educatedwealthcenter.com

Finance

Retirement (Photo credit: Tax Credits)

As the Association of British Insurers warned last week that living beyond 100 will become the norm by 2100*, research from later-living experts McCarthy & Stone reveals many over-60s have no idea how they are going to cope financially.

McCarthy & Stone, which has launched a free mini-guide to financial planning for later life to help people plan for their retirement, conducted research among 1,000 retired people aged over 60 and found:

  • Nine per cent of respondents have no idea how they are going to cope in the future, which if compared to the population of over-60s living in the UK, equates to over 1.2m people**
  • 25 per cent have not made a will
  • 48 per cent have never talked to their family about their money, pension, savings or future housing and care needs

McCarthy & Stone’s new financial planning guide provides a variety of information, including a financial planning checklist, advice on state benefits that people might be entitled to and options to help them fund their retirement, including equity release and downsizing. It also gives advice on issues such as making a will and appointing a power of attorney.

Ali Crossley, Executive Director of McCarthy & Stone, said: “As experts predict that life expectancy will continue to increase, people cannot afford to bury their heads in the sand about the way they will manage financially in their retirement years. They need to discuss these issues with their family and put clear plans in place.

“Our new free guide provides a concise overview of the key financial issues and options that people should consider when planning for retirement, plus organisations that can provide further help and advice. We believe it will be invaluable for many older people who feel daunted by the financial implications of retirement.”

The guide follows a number of financial services that have recently been launched by McCarthy & Stone including a Pension Annuities Service, an Equity Release Service, a Lasting Power of Attorney Service and a Guaranteed Funeral Plan.

The guide can be obtained by calling +44(0) 800 919 132 or by e-mailing money@mccarthyandstone.co.uk .

Notes to Editors

McCarthy & Stone Money   provides financial planning services to people in later life. The company offers a range of financial services that are tailored around the customer to enable them to make the right choices when making important decisions about how to support their retirement lifestyle:

  • An annuities comparison service.
  • An equity release service in partnership with Age Partnership.
  • Later Life Planning services such as Will writing and the preparation and registration of a Lasting Power of Attorney (Property & Finance), as well as thoughtful and cost-effective support with planning a funeral.
  • A Free Benefits Advice that offers customers support to help understand which benefits they are entitled to and how much financial support they can expect to receive.

*Otto Thoresen sets out a five point plan to tackle the UK savings gap in his speech to The Actuarial Profession Life Insurance Conference in Brussels (PDF). http://www.abi.org.uk

**14,275,000 over 60s in the UK in 2011 (Office of National Statistics, UK Population Report, 29 March 2012). 9% of this group equals 1,284,750.

The research was conducted for McCarthy & Stone by OnePoll

For more information:

Andrew Baud, andrew.baud@talapr.co.uk, +44(0)20-3397-3383 or +44(0)7775-715775
Julian Hargood, julian.hargood@talapr.co.uk, +44(0)20-3397-3383 or +44(0)7521-907919
Catherine McNulty, catherine.mcnulty@talapr.co.uk, +44(0)20-3397-3383 or +44(0)7943-855078

Retirement: What Exactly is the Magic Number?

Retirement

 

Retirement! It’s something that most of us look forward to. A time that we can finally tell our boss to shove it, if we feel like it. Just think about it for a minute. You give your boss ample notice that you’re going to retire, or maybe not. Either way, the big day finally gets here and you’re walking out the door with your personal belongings for the last time. You leave behind all the stress, the headaches, the politics, the 5AM wakeups and the traffic jams. Now you can play golf all you want, go fishing or just stare out the window. Everything is great. Or is it? Have you done all the planning necessary for your retirement? In other words, do you have enough money to keep on being retired? Here’s a few things to consider before you take that big step.

The other day a reader left the following comment;

I read a lot and figure someone needs $2M to really have a good shot at living well and retiring with few worries. Roger your thoughts?
The reader also shared that he is 58 with the implication that he is close to retirement age. Another reader left a comment on a Seeking Alpha post of mine agreeing that $2 million is the figure. Between the two comments I feel like I am being asked in part for my personal views and choices.

The best generic advice I can give is to live below your means, don’t accumulate debt, save a lot and if you ever do need to fund your expenses/lifestyle out of your savings take no more than 1% per quarter. My use of the word generic is not meant as a slight, I believe the above combo is an essential foundation to a successful financial plan and we live by the first three now (we are a few decades from the withdrawal stage).

Assuming the 4% rule, a $2 million portfolio would allow for $80,000 in portfolio withdrawals. Are you then going to assume getting social security or not? How does the $80,000 (plus social security or not) compare with how much you live on now? Not how much you earn but how much you live on.

There are several types of expenses that we have to contend with and try to plan for one way or another. I’ve written about these before; things that probably can be easily planned, those that cannot and one-offs–things like vet bills, new tires and home repair.

Our recent three foot snow storm lead me to come up with another category which is things we probably will need. At some point I may not be able to shovel out a three foot snow storm. If we want to stay where we are then at some point we will need either a snow blower or an ATV that we put a plow blade on. These are not disastrous expenses but also not $100 to go to a baseball game either. We have a long uphill driveway which probably rules out a snow blower– the cheapest option. A more expensive option would be the ATV and blade and an even more expensive option would be moving. Where we are it would not be wise to rely on being able to hire someone to do this for us.

Source

There’s a lot to consider when contemplating retirement. If you haven’t done so yet, now may be a good time to talk to a Financial Planner.

Equity Markets Drive Pension Funds Higher

Equity Markets Drive Pension Funds Higher

Strong asset returns and no change in liabilities in October drove a 4.7 percentage-point increase in the funded status of the typical U.S. corporate pension plan, according to BNY Mellon Asset Management.  The increase, fueled by strong performances in the equity markets, brought the funded status for the typical plan to 74.8 percent.

Year to date, the funded status has declined 10.3 percentage points, according to the BNY Mellon Pension Summary Report for October.

For the month of October, assets for the typical corporate plan increased 6.8 percent, according to BNY Mellon.  The rebound in equities reversed a three-month trend of falling stock values, the report said.

Plan liabilities are calculated using the yields of long-term investment grade corporate bonds.  As there was no material movement in these yields, the liabilities held steady.

“Apparent progress toward a solution to the European debt crisis resulted in investor optimism,” said Jeffrey B. Saef, managing director, BNY Mellon Asset Management, and head of the Investment Strategy & Solutions Group.  “However, as the probability of a resolution rises and recedes, we see continuing market volatility.”

Saef added that global events such as the European debt crisis and the U.S. budget negotiations have become important factors for pension funds as they make asset allocation decisions.   “If favorable outcomes can be achieved for these issues, it could set the stage for continuing the rally in equities that we saw in October. Such a rally would provide significant relief to the funding pressures that sponsors face.”

Notes to Editors:

BNY Mellon Asset Management is one of the world’s leading asset management organizations, encompassing BNY Mellon’s affiliated investment management firms and global distribution companies. Information about BNY Mellon Asset Management can be found at www.bnymellonam.com.

BNY Mellon is a global financial services company focused on helping clients manage and service their financial assets, operating in 36 countries and serving more than 100 markets. BNY Mellon is a leading provider of financial services for institutions, corporations and high-net-worth individuals, offering superior investment management and investment services through a worldwide client-focused team. It has $25.9 trillion in assets under custody and administration and $1.2 trillion in assets under management, services $11.9 trillion in outstanding debt and processes global payments averaging $1.6 trillion per day. BNY Mellon is the corporate brand of The Bank of New York Mellon Corporation (NYSE: BK). Additional information is available at www.bnymellon.com and through Twitter @bnymellon.

All information source BNY Mellon Asset Management as of September 30, 2011. This press release is qualified for issuance in the US only and is for information purposes only. It does not constitute an offer or solicitation of securities or investment services or an endorsement thereof in any jurisdiction or in any circumstance in which such offer or solicitation is unlawful or not authorized. This press release is issued by BNY Mellon Asset Management to members of the financial press and media and the information contained herein should not be construed as investment advice.  Past performance is not a guide to future performance. A BNY Mellon Company(SM)

 

CONTACT: Mike Dunn, +1-212-922-7859, mike.g.dunn@bnymellon.com

Web Site: http://www.bnymellon.com

Life Insurance Guide Short Course

Life Quotes, Inc. has compiled a list of the top 5 scariest things about life insurance, calling attention to the importance of going over your life insurance policy with a trusted insurance agent no less than once a year to make sure that the policy you own is keeping up with the changes in your life. If you should die, the only way to truly protect your loved ones from financial peril is with life insurance. But before you sign the dotted line, or pay another renewal bill, make sure you have a thorough understanding of how your policy works.

The following is a short list of some of the most frightening and often overlooked features of a life insurance policy:

TERM LIFE (TL)
Term life insurance doesn’t age gracefully

Term life may be the least expensive life insurance policy you can purchase, but it is only in-force for a designated term, typically 10, 15, 20 or 25 years. And if you have to renew a term life policy under the guaranteed renewal clause—look out!  The cost of built-in, no-exam renewal feature can often be five or ten times the cost of the premium you have been paying.  And then, most renew on an annual basis in which the premiums rapidly escalate even further into the stratosphere each year thereafter. To avoid this problem, consider buying a longer initial rate guarantee at the outset.  Many companies now offer 30-year term, level term to age 65 and even level term for life, in which you’d never be subject to a price increase.

WHOLE LIFE (WL)
Creeping death of your cash value

“If you are only looking at immediate, short-term goals, you don’t want to invest in a whole life insurance policy because the surrender charges in the early years would dramatically reduce the cash value and you may find that you paid far more for the policy in premiums than what it’s worth,” said Michelle Matlock, editor of Life Quotes, Inc.

Consider buying whole life only if you want coverage for the very long haul and have no intentions of canceling in the early years.

VARIABLE (VL), UNIVERSAL (UL), and VARIABLE UNIVERSAL LIFE (VUL)
These policies assume investment risks that can murder your overall value

If you are being pitched on a variable or universal life insurance policy that is being sold as “self-sustaining,” watch out because long-term, non-guaranteed projections with life insurance can be very misleading. Not only might it take 10 or more years to build up enough cash value to cover future premiums, but also inherent in those projections is an assumed interest rate that can be wildly off over a long period of time. When interest rates are projected to be high, the cash value grows at an alluring, faster rate, but when interest rates are low, cash values grow very slowly. To avoid trouble, always ask the selling agent to show you and explain the “guaranteed” values columns in the illustration, as they will show a true, worst-case scenario.  

A variable universal life insurance policy is far more risky. The policy is dependent on how well the investments tied to the cash value perform in the stock market. If the stock market goes south along with your investments, this will greatly impact your cash value and the security of your death benefit. There are several upfront charges on a VUL that make it very pricey coming out of the gate. In addition to this, these policies can have astronomically high surrender charges if you decide to partially or fully surrender the policy in the first 10 years.

For a full list of “Top 5 Scariest Things About Life Insurance” go to http://www.lifequotes.com/articles/lifeinsurance/the-top-5-scariest-things-about-life-insurance/

About Life Quotes, Inc.

Originally founded in 1984, Life Quotes, Inc. owns and operates a comprehensive consumer information service and companion insurance brokerage service that caters to the needs of self-directed insurance shoppers.  Visitors to the Company’s website, www.lifequotes.com, are able to obtain instant car, life, health, home and business insurance quotes, and have the freedom to buy online or by phone from any company shown.  Life Quotes, Inc. generates revenues from receipt of industry-standard commissions, including back-end bonus commissions and volume-based contingent bonus commissions that are paid by participating insurance companies. We also generate revenues from the sale of website traffic and insurance leads to various third parties.

CONTACT: Michelle Matlock, Editor, +1-630-515-0170, ext. 335, editor@lifequotes.com

Web Site: http://www.lifequotes.com

Altair Advisers was named one of the Top 100 Independent Financial Advisors in the U.S., as ranked and published in Barron’s August 29, 2011 issue. This is the fifth consecutive year it has received this honor – every year since the list began in 2007. Again, Altair is the highest ranking Independent Financial Advisor in Illinois.

“We are honored to receive this award. It’s a reflection of the efforts of the Altair Team, made possible by the support and confidence of our clients,” said Steven B. Weinstein, President and Chief Investment Officer of Altair Advisers.

The Barron’s List of Top 100 Independent Financial Advisors is an exclusive award given to firms that meet stringent criteria, including the quality of the advisors’ practices and the volume of assets overseen.

Source: Barron’s “Top 100 Independent Financial Advisors,” August 29, 2011. Barron’s is a registered trademark of Dow Jones & Company, L.P. All rights reserved.  For more information on ranking methodology, go to http://online.barrons.com/report/top-financial-advisors/independent. Neither Altair Advisers nor any of its employees pays a fee to Barron’s in exchange for this rating.

About Altair Advisers

Altair Advisers provides the highest level of Independent Investment Counsel for wealthy individuals, families and foundations.  Altair and its principals are consistently recognized as Top Independent Wealth Managers by Barron’s, Worth, Financial Advisor, Wealth Manager and Chicago magazines.  Like the bright star for which it is named, Altair helps its clients navigate through a complex financial world. For more information please visit www.altairadvisers.com.

CONTACT: Richard Black of Altair Advisers, +1-312-429-3000

Web Site: http://www.altairadvisers.com

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