Your long term serious cash should be 100% safe and extremely liquid to provide for emergencies and ready cash to take advantage of business opportunities. You will never get rich “parking money”, either in the market or with me. The long term strategy is to make a reasonable rate of return on your parked money (that has exceeded 11% over the last 20 years and over 8% since January of 1950) and then take a portion of that money, that you can afford to not touch for 12, 24 or 36 months and place it where you can earn double digit returns that range from 16% to 35% per year. The risk on these dollars is in the lack of liquidity for up to 60 months. Your long term financial success is not going to come from hitting home runs, but from NOT getting struck out.

When the Titanic went to sea, it didn’t have enough life boats because no one thought it could sink. How did that work out for everyone? Warren Buffet has stated that his number one goal is to NOT LOSE MONEY! We subscribe to that same philosophy but we also want to make sure that we earn reasonable returns. That being said, most everyone is focused on “rate of return” and this misses the mark on what will have the biggest impact on your retirement – TAXES! Do you have any idea what taxes will be when you retire? Would you rather add tax risk to market risk or would you rather eliminate BOTH risks from your future. Our goal is to help you to be 100% SAFE, 100% TAX FREE, 100% LIQUID within 60 months and earn reasonable, long term returns on your serious money. The next step is to find other areas to diversify into which have double digit returns and develop other income streams for retirement so that you will be able to retire at 100% of more of your current income. We have all been taught that if you are 100% safe that you will have to accept low return. While that was true 30 years ago, it’s not true today. part of the problem is that people are getting stale, out dated, 30 year old advice today, or no advice at all.

The philosophy of JCDFM is to help you achieve your financial goals with time tested strategies and techniques, and to not focus on trying to sell you products. If you were going to play golf, would you rather someone tried to sell you clubs or would you rather they took the time to teach you how to play the game better. Then why would you let financial people treat your money in the same cavalier and inappropriate way?