Ben – The Stock Market CRASH!!!

One of the client stories we tell again and again is Ben’s, because it’s so heartbreaking. It kind of encapsulates so much of why we do what we do. Ben had been planning to retire around 2008. He’d wanted to retire at age 60, but his whole portfolio was

It kind of encapsulates so much of why we do what we do. Ben had been planning to retire around 2008. He’d wanted to retire at age 60, but his whole portfolio was

Ben had been planning to retire around 2008. He’d wanted to retire at age 60, but his whole portfolio was

He’d wanted to retire at age 60, but his whole portfolio was at high-risk, and when the bear market hit, he lost half of everything.

He ended up delaying his retirement because he no longer felt he could create the lifestyle he wanted after suffering this loss.

 

He came to us after the crash, probably in 2011.

By then, he had regained a good portion of what he had lost, but he was concerned about another market downturn.

His advisor had told him he was in good shape before, and then he lost big.

He didn’t want that to happen again but really didn’t know what else to do.

He just wasn’t getting any help from his current advisor.

He attended one of our special events and decided to come have a conversation with us.

The one thing he wanted  was some  type of  guarantee on his money.

He knew his DREAM Retirement couldn’t survive another hit like 2008. He would be able to retire, yes, but not fund his desired retirement lifestyle.

He would be able to retire, yes, but not fund his desired retirement lifestyle.

 

His DREAM Blueprint included a good portion of his portfolio being transferred into some Green Money accounts, which gave him some growth potential linked to the market with no risk of loss.

These accounts also had guarantees for retirement income so he could KNOW that he would have the income he needed to fund his DREAM Retirement lifestyle.

As part of his DREAM Blueprint, we left some of his assets in the market so he could continue growing his portfolio, but we also implemented a management and monitoring process that was aligned with his desired risk level.

It took a long time for him to recover from the loss he suffered in 2008.

And he had to set aside so many plans he’d made around his retirement.

Plans with his family and plans around his passion for photography had to go on hold for a few years.

But through the DREAM Retirement Process, he was able to retire last year and start living his DREAM!

He built that wall and moat of guarantees around himself and his family, ensuring his retirement plans and his legacy will never again be derailed as it once was.

He told us that after going through the DREAM Retirement Process, he has financial peace of mind that he never thought was possible!

 

Michelle Bertram and Beverly Bertram are financial advisors living in Mineral Point WI and serving the surrounding communities. Michelle Bertram does financial planning for retirees along with business consulting. Beverly Bertram specializes in retirement planning and income planning for her clients. Michelle Bertram and Beverly Bertram are authors of the book, Creating You DREAM Retirement and creators of the DREAM Retirement Process.
Serving Madison WI, Verona WI, Mount Horeb WI, Barneveld WI, Dodgeville WI, Dubuque IA, Platteville WI, Lancaster WI, Cuba City WI, Fennimore WI, Darlington WI, Monroe WI, Spring Green WI, Black Earth WI and beyond.

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