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Wealth Accumulation

Time doesn’t stand still, and neither does money. That’s why you can use time to your advantage when investing for wealth accumulation. The longer you invest, the more time your money has to compound. However, time is not the only important factor in wealth accumulation.

At Daniel Krug & Associates, we utilize institutional money managers to create the most cost-effective and performance-driven portfolios for our clients. Portfolio managers like Global Financial Private Capital, Matson Money, Federated, Astor Asset Management, Bernstein Asset Management, and more. As institutional money managers, we use two leading custodians, Fidelity Investments and Charles Schwab, to safeguard your money.

Each money manager is GIPS compliant. GIPS stands for “Global Investment Performance Standards.” GIPS are ethical standards that apply to the way investment performance is presented to potential and existing clients.

Through the GIPS auditing system, you can be confident that the performance of each portfolio is accurate. Many of our managers have a proven strategy to advance and protect designed to be defensive in a down market and potentially take advantage of opportunities in an upmarket.

If your portfolio has not fully recovered from losses in recent years, you may wish to consider an alternative to retail investing. Our institutional managers utilize strategies such as tactical, structured, and strategically allocated portfolios.

However, given recent lessons learned in stock market investing, it is essential to remember that more conservative retirement strategies typically have only a portion of the assets invested in the stock market. Other allocations should be set aside for more conservative investments and/or secured income contracts such as annuities. 

Annuities are long-term vehicles designed to generate supplemental income during retirement. They have minimum guarantees backed by the strength and claims-paying ability of the issuing insurance company. After all, the last thing you want to do is lose more ground during the next market correction.

Investments are not FDIC, or NCUA insured, are not insured by any federal agency, and are not guaranteed by any bank or credit union. They may be subject to losses, including loss of principle.