We help busy professional and retired people who have $35,000 to $3 million in IRAs, 401K rollovers and other retirement savings plans.

by Rich Smith, Founder and CEO

We specialize in serving the needs of mature people who want rising income, no loads or hidden fees, and consistent returns. Our service is not about "getting rich" but helping you "stay rich."

What makes us different?  We offer a no-load, no commission, fee-only service. We are not part of any large national firm and don't have any salespeople. This means we are independent and not pressured or influenced by Wall Street or a broker-dealer to sell any load or commission products. We don't help pay for their fancy offices. It is our duty to always put the individual needs of our clients first.

Protected Capital Management is a registered, independent investment advisor founded in 1993. We act as fiduciaries for client assets. We work on a fee-only basis with no other compensation. We do not sell products or earn trading commissions.

In the coming years, we believe inflation will definitely rise due to massive, out of control government spending. Our dividend income, balanced, multi-asset portfolio strategy is designed to reduce inflation risk and enhance your financial security as prices go up and the dollar declines.

Rising dividends are your friend before and during retirement. They help reduce volatility and can compound to help you beat inflation. PCM believes dividend paying securities are a vital component in building portfolios for busy people who want a more secure retirement with reduced risk. 

If you are one of the 77 million people in America who are either retired or close to it, and don't have the time or interest to watch Wall Street every day, we can help.

PCM manages portfolios for conservative investors using low cost Vanguard and other institutional funds and low cost ETFs to meet the personal and lifestyle needs of our clients.

All PCM portfolios use a global, flexible approach and are adjusted for market conditions. Clients may choose an aggressive, moderate or a more conservative portfolio. We believe in paying attention to changing market conditions and reducing risk when appropriate. For example:

   1. During confirmed bull (up) markets, PCM portfolios will have up to 75% in select growth and value funds and 25% in income securities.

   2. During neutral (sideways) market conditions, PCM portfolios will have up to 50% in value funds and 50% in income securities.

   3. During confirmed bear (down) markets, PCM portoflios are very defensive with as little as 25% in value funds and 75% in income and/ or hedged positions.

This flexible approach has been tested for over 20 years and provides a very high level of safety and very consistent returns.

Our research shows a balanced, multi-asset, and diversified approach has historically provided:

♦ Better consistency of returns than the traditional balanced fund and the S&P 500.
♦ Lower volatility with increased inflation protection.
♦ Greater safety in bear markets.
♦ Better portfolio stability for retired investors making withdrawals.

We use research developed by some of the world' leading investors such as Benjamin Graham, Warrren Buffett, Jeremy Siegel, Ph.D of Wharton Business School, Bill Gross of Pimco, and Craig L. Israelsen, Ph.D.

Our commitment is to provide impartial, unbiased investment services. As an independent, fee-only advisor we serve only your interests. This approach eliminates the conflict of interest that sometimes exist when brokers and planners are paid from sales commissions and on-going trail fees.

We seek to achieve consistent investment solutions that exceed your expectations.

How can we help you?

P.S. You can also sign up forThe Protected Capital Newsletter. This is an educational publication with news, market comments, and helpful articles we send out each month. To learn more, just click above on the right.