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"A Goal Without a Plan Is Just a Wish"
-Antoine de Saint-Exupery

   

Code of Ethics

We have a fiduciary duty to our clients and always place our clients' interests first and foremost. We always disclose any actual or potential conflicts of interest so that our clients can make informed decisions.

  • Honesty - An honest exchange of information is the basis upon which our relationships are built. We will be candid with you in all things. We will never make promises that we do not intend to keep.
  • Integrity - We hold ourselves to the very highest standards of integrity. We take our responsibilities extremely seriously . We will disengage from any relationship that might in any way conflict with this. We will not make compromises to our principles for any reason.
  • Objectivity - We will always act in good faith through education, independence and impartiality, to objectively act in the best interests of our client. We act in a fee only capacity in order to eliminate conflicts of interest. We accept no commissions, of any sort, from any entity.  We do not receive fees or compensation from any party based on the referral of a client or the client's business.
  • Professionalism - We will at all times act to increase our professional knowledge. We diligently monitor modern investment strategies and research.

We hold ourselves to these standards as well as being committed to complying with the following:

 

Latest Blog Posts

Aug 18, 2017 by Structured Asset Management, Inc.

The solution to retirement spending isn’t easy. There isn't one perfect solution for everyone. Three potential approaches include immediate annuities, a total income approach or a total returns approach. While each of these solutions have their pros and cons, we strongly favor the total returns approach in most situations. Here's a look at each of these and their pros and cons.

Immediate Annuity Approach: you turn your...

Aug 07, 2017 by Structured Asset Management, Inc.

Top Retirement Planning Mistakes

Here is a list of what I'd consider the top mistakes people make for their retirement planning:

  1. Not Having a Plan
  2. Bad Annuity Decisions – there’s a reason annuities are sold and not bought
  3. Failing to review investments - being too aggressive or too conservative
  4. Bad Social Security decisions - this should be just part of your plan, not an entire plan
  5. Overspending is a game...
Aug 04, 2017 by Structured Asset Management, Inc.

To follow up on my latest post regarding retirement and the importance of planning ahead, there are a number of things to consider. The biggest challenge is to create a lifelong paycheck, one that allows you to live the lifestyle you envision for yourself in retirement. To accomplish this, it should be structured so that it lasts your (or multiple) lifetime(s), is paid on a regular basis, takes inflation into account and is relatively stable. Each one of these factors could be a whole...

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