COMMON-SENSE SOLUTIONS: No Smoke No Mirrors No Mystique
Let's plan your brighter future!
About
What will it take for you to TRULY enjoy retirement?
After clients see the mathematic, scientific, and economic Facts, they clearly see the answer to this key question. Despite all the various opinions in the industry: the facts are that there is only ONE Optimal Core Approach to retirement income planning. The Core can be tailored to individual taste as long as the Basics are in place.
Despite the hoopla in the Financial Industry about creating a "Custom Plan" for you, they do not. They establish your risk tolerance (generally through a questionnaire) and that informs them of what asset allocation is "appropriate" and finally they put you in their "model" which is closest to that asset allocation. Let me be clear, this is an appropriate approach, and it is not customized in any way, that is just Smoke, Mirrors, and Mystique.
In this process Hellebusch Financial Solutions, LLC eliminates the financial risks everybody in retirement faces. Our clients not only survive these retirement risks, but they thrive during retirement because the risks will have little, if any, impact upon their retirement lifestyle. No relying on luck for our clients.
Those risks include;
- The ups and downs of the stock markets,
- The rise and fall of interest rates,
- Inflation risks, deflation risks, hyperinflation risks,
- Sequence of returns,
- Withdrawing too much at any given time from their retirement assets.
In addition to the risks associated with the economy there are also behavioral risk that our process mitigates. These risks include the altruistic desire to help out one's children or charities too much. Retirees are susceptible to being too generous. Retirees are also susceptible to becoming frail and having impaired judgment. All of these risks, both economic and behavioral, can cause retirees to fall into financial trouble. Trouble that leads to worry.
Since we eliminate these risks, our clients retire gracefully, worry-free, financially independent, and with dignity. Another Great Depression could occur, and our clients KNOW they will be okay. This is NOT just our opinion; WE CAN PROVE IT with facts.
Exactly what you get FROM WORKING WITH ME:
1) 15%-50% fee reduction by applying the One Optimal Core Approach
2) A Fiduciary with over 2 decades experience.*
3) A coordinated team of experts in each financial area corroborating to implement the One Optimal Core Approach.
4) A written plan that addresses all the risk factors and what to do if the risk becomes a reality.
5) A financially Care-Free retirement.
About Stroud
Since 1999, Stroud Hellebusch has been helping businesses and individuals safeguard their assets and plan for the retirement they want. During those years he has witnessed how the financial companies (insurance companies, Mutual Fund companies, Big Brokerage firms, and small "boutique" firms) attempt to confuse the general public with their Smoke and Mirrors, and their Mystique. Those companies' products are used when needed, but for Hellebusch Financial Solutions, LLC and for its clients there is No Smoke, No Mirrors, No Mystique.
In his personal life Stroud enjoys traveling and Scuba Diving with his wife of 34 years and their two daughters, cooking for them, playing (privately) his guitar, reading, seeking new adventures, and playing with his two Labrador Retrievers.
Frequently Asked Questions:
Please contact us if you cannot find an answer to your question.
I won't speak for other advisors. However, there is a wealth of information and false-information everywhere today. We are bombarded with it constantly. The financial industry is perhaps the worst offender of confusing the issues. Each subset of the industry promotes their product as THE best solution. And yet the facts show unquestionably that the products offered throughout the industry are necessary but that none, by itself, is sufficient. You need Hellebusch Financial Solutions, LLC to clear away the noise and present you with the solutions to your problems. If you are approaching, or in, Retirement, there is only One Optimal Core Approach that when implemented removes all your financial cares. "How" you ask? When implementing the One Optimal Core Approach all the risk that can financially ruin a Happy and Successful retirement are removed.
No Smoke, No Mirrors, No Mystique.
Prior to retiring, there are many ways to ensure financial growth and reach your goals. Some options are investments, savings strategies, budgets, insurance, and tax strategies. Your personality, budget, and goals decide which approach is right for you.
When retiring, though, there is One Optimal Core Approach to have a Care-Free retirement. Many of the lessons learned over decades of working, saving, and investing do not apply for the retiree.
No Smoke, No Mirrors, No Mystique.
Yes! Using mathematic, scientific, and economic FACTS, we will provide you with a Care-Free retirement. By working with Hellebusch Financial Solutions, LLC, you will have total clarity and realize that the One Optimal Core Approach plan covers every potential financial disaster lurking around the corner for retirees.
No Smoke, No Mirrors, No Mystique.
Mr. Hellebusch is a Fiduciary and offers Advisory Services through Portfolio Medics, LLC, a SEC-registered investment advisor firm. Hellebusch Financial Solutions, LLC and Portfolio Medics, LLC are separate firms. The views expressed on this site are the views of Hellebusch Financial Solutions, LLC and Mr. Hellebusch, and may not reflect the views of Portfolio Medics, LLC.
But being a Fiduciary is promoted and sold throughout the Financial Industry as the best relationship for investors. There is a lot of Smoke, Fluff, and Mystique around "being a Fiduciary". The truth is that it is not always the best relationship for an investor. Sometimes, Doing It Yourself (DIY), or working with a broker may be more beneficial. The advice given by Hellebusch Financial Solutions, LLC will take into consideration the types of relationships you have within the financial industry. Sometimes, based upon a client's preference, we will recommend that they continue to DIY or work with a broker they trust.
No Smoke, No Mirrors, No Mystique.
No! The education received by completing a CFP program is exceptional. The CFP Code of Ethics is among the strongest in the industry. Hellebusch Financial Solutions, LLC operates under this Code of Ethics with the exception of promoting the CFP certification program. The CFP Standards of Conduct are a thorough written list of the conduct every advisor should do, with the exception of the parts requiring the promotion of the CFP Certification Program. The CFP program, while providing great education, is basically a marketing wing of the financial industry having spent $160 Million since 2011 (averaging $12.3 Million a year) promoting its members. The dues it collects from its approximate 100,000 CFP members exceeds $49 Million a year. Each member must complete continuing education through a company that the CFP Board has approved (those companies pay CFP for their courses to be approved).
I collaborate with many CFPs, they are great technicians, their input into software programs used throughout the industry are invaluable. I have not met one CFP Financial Advisor who uses what they learned through the program on a daily basis with their clients. They all use software programs, either provided by their companies or that they purchase access to.
No Smoke, No Mirrors, No Mystique.
Contact Me
Send me a message, and tell me more about your financial goals and needs. I will get back to you to schedule a consultation.
Hellebusch Financial Solutions, LLC
Hours
Monday - Friday: 9am - 5pm
Saturday: By appointment
Sunday: Closed
Copyright © 2024 Hellebusch Financial Solutions, LLC - All Rights Reserved.
*Mr. Hellebusch is an Independent Advisor Representative (an IAR) serving as a Fiduciary with Portfolio Medics, LLC. Advisory services are offered through Portfolio Medics, LLC. Portfolio Medics, LLC is an SEC-registered investment advisory (RIA) firm located at 27499 Riverview Center Blvd Bonita Springs, FL 34134 Phone: (239) 444-1766
Hellebusch Financial Solutions, LLC and Portfolio Medic, LLC are separate entities.
Mr. Hellebusch owns Hellebusch Financial Solutions, LLC which provides financial education.
Separately from Hellebusch Financial Solutions, LLC and Portfolio Medics, LLC, Mr. Hellebusch is a licensed insurance agent.
If and when a conflict of interest, or even the appearance of a conflict of interest, develops as a result of Mr. Hellebusch's interaction with the public, that potential conflict will be addressed before anyone makes a purchase.
Views expressed by Hellebusch Financial Solutions, LLC are theirs alone. This summary is for informational purposes only and shall not constitute advice and are not an offer to buy or sell, or a solicitation of any offer to buy or sell investment or insurance products. Different type of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either by suitable or profitable for your portfolio. All investment strategies have the potential for profit or loss and past performance is not guarantee of future success. Economic factors, market conditions, and investment strategies will affect the performance of any portfolio and there is no assurances that it will match or outperform any particular benchmark. Past performance is no guarantee of future performance or profitability. The types insurance products and of investments discussed also do not represent all the insurance products and securities purchased, sold or recommended for clients. Stated information is derived from proprietary and non-proprietary sources that have not been verified for accuracy or completeness. While the firm believes this information to be correct, we do not claim or have responsibility for its completeness, accuracy or reliability.
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