PDM Investment Services is an Independent Registered Investment Advisor
We are no longer accepting new clients as I am in my retirement transition period
- All new clients were from referrals, not marketing
- Your interest comes before my personal interest
- We invest our personal money in our strategy along with our clients
- No commission products, loaded mutual funds, annuities, complex life insurance products, non-traded REITS or high fee hedge funds
- Our goal is to maximize the size of your investment portfolios to meet your retirement income needs and not run out of money before the end of your plan
Philip Michalek President, Investment Advisor Representative
5131 Standish Drive, Troy Michigan 48085
248-890-4696
www.fginvestor.com, info@fginvestor.com
Financial Advice
- Help you establish your financial goals and risk level
- Help define the type of accounts best for you (Trust, Joint, IRA, Roth …)
- Analyze your current investment accounts and help select investment strategies
- Analyze your investment ideas
- General guidance on taxes, estate planning and Medicare
- Behavioral coach to guide you through market corrections and bubbles
- Guide you with your transition into retirement with income planning, tax management, social security optimization, Medicare, portfolio risk level in retirement and your required minimum distribution strategy
Administrative Services
- Open new accounts and perform account transfers
- Setup account links, process money moves and required minimum distributions
- Perform check requests
- Help with 401(k) rollovers
Financial Planning
- Financial plans monitor your investments and total net worth
- Projections of investment net worth from the start of retirement, during retirement and at the end of your plan
- Monitor the probability of success of not running out of money before your plan ends
- Key elements of a plan include spending, income, investments, annual contributions, debt, net worth and your risk level before and during retirement
A financial plan is a written long-term plan to guide you to meet your retirement goals and maintain income in retirement. A plan provides peace of mind to your family, defines your goals, monitors progress and drives adjustments. Plans make you less likely to overreact to market volatility and increase one’s confidence and effectiveness in managing income, spending, saving, investing and debt.
- Basic Financial Plan for the accumulation phase
- Advanced Money Guide Pro Plan for the retirement phase if requested
Portfolio Design and Management
- Help you select your risk level and investment strategy
- Design your portfolios, select investments and implement portfolios
- Implement cash inflows and make sales and rebalance after cash outflows
- Monitor your portfolios, rebalance and make changes to investments as needed
- Perform tax-loss harvesting on taxable accounts
- Annual portfolio analysis reports
Our Model 1 and Model 2 investment strategies are Diversified Mutual Fund & Sector Portfolios. We use Tactical Equity Allocation to help reduce portfolio risk when market risk is high and increase portfolio risk when market risk is low. Our portfolios are designed using Strategic Adaptive Asset Class & Sector Allocation, Active Mutual Funds and Individual Stocks. Our Model 3 portfolios use Target Date asset allocation funds
The goal for our portfolios is to outperform their benchmark after all fees over the long term. We focus on low management fees and investments that outperform their benchmarks.
Focused Growth Investor Newsletter is our investment strategy
Focused Growth Investor Newsletter
Portfolio Performance Analysis Example
Regulatory
Client Relationship Summary CRS Form
Disclosure, Privacy Policy and Fee Schedule
Our website, www.fginvestor.com is not intended to offer investment advice and would only offer advice if registered in that state.
The website is designed to explain our services and post regulatory documents.