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Ask the Adviser: Creating a Sustainable Portfolio

Original Content
By Adam Taggart
Saturday, October 20th, 2012

Ask the Adviser: Creating a Sustainable Portfolio

Original Content
By Adam Taggart on
Saturday, October 20th, 2012

In this latest installment of Ask the Advisor, Chris and Bob Fitzwilson focus on how to approach creating an investment portfolio with the tenets of the Crash Course in mind.

Bob explains how he believes a prudent process starts with securing the essentials for resiliency; in other words, investing in the resources that will sustain yourself and your family regardless of how the financial markets perform. These are things like your local food supply, your homestead, your health, etc. Only after you've created a plan for procuring those should you then focus on what do with any funds left over.

Then the focus should be on your desired lifestyle. Ask yourself: How much do I need to meet my base-case needs and wishes for my family? Expectations for quality of life, travel, education, and retirement all come into play here. A financial portfolio should then be constructed to maximize the odds of providing the capital appreciation and/or income inclusive of estimates for higher taxes and inflation in the future to meet these goals.

The last step should be looking for returns in excess of these base-case goals. There's nothing wrong with pursuing greater wealth, but such pursuit comes with greater risk and therefore should be done separately from securing the returns you need. In Bob's experience, many of today's investors are too speculation-focused, looking for windfall returns on their funds instead of building wealth sustainably.

In this podcast, Bob also shares his personal story in overcoming a rare and deadly form of cancer. The experience informs his approach to investing, as it taught him the importance on focusing on the essentials for happiness in life and avoiding getting distracted by other temptations and fears. It's a perspective worth listening to in full.

If, after listening to this podcast, you find yourself interested in connecting with Bob and his team to learn more about their advisory services, please use the form here to do so.

Transparency note:  As a result of our public endorsement of Bob's firm, Peak Prosperity has a commercial relationship with them. The details of this relationship are clearly presented in writing during the referral process but the punchline is, our relationship does NOT result in any increased fees to those who become clients.


It should go without saying: this discussion should not be construed as individual financial advice by those listening to it. The content should be taken as informational and educational in nature only. Investment advice must be tailored to your specific personal situation (which Chris and Bob are obviously unaware of) and should be obtained directly from a financial advisor you trust. Before acting on any of the statements made in this podcast, we advise you do just that.


Click the play button below to listen to Chris' interview with Bob Fitzwilson (36m:06s):

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