When it comes to securing your financial future, the focus isn’t just on how much money you make, it’s on how much you keep. In today’s volatile financial landscape, safeguarding your wealth from market losses, fees, and unexpected downturns is critical. That’s where capital preservation comes in: a proven strategy that protects your hard-earned money while allowing it to grow steadily over time.
What Is Capital Preservation?
Capital preservation is a savings-focused approach designed to protect your principal from market losses. Unlike traditional investment vehicles that carry inherent risks, capital preservation uses indexed-based strategies that mirror the market’s performance without participating in its losses. The cornerstone of this strategy is the guarantee floor of zero, which keeps your savings intact even during market downturns. Any gains you achieve are locked in, creating a new, secure baseline for your wealth moving forward.
Why It’s Not Too Good to Be True
Some may question how a strategy like this can protect your money. The answer is simple: indexed-based strategies have been around for over 15 years and are backed by reliable financial instruments. However, many people are unaware of these solutions because traditional financial advisors typically don’t offer them. Unlike advisors who focus on assets subject to market volatility, Brian Bartfeld specializes in strategies that minimize risk and fees from your portfolio and, by doing so, help you conserve more of your capital.
Think of it this way: just because you haven’t heard of a country doesn’t mean it doesn’t exist. Similarly, just because you’re unfamiliar with indexed strategies doesn’t mean they aren’t real or effective. In fact, many people are already using this strategy to protect their wealth and secure their financial future. Brian’s role is to introduce you to an approach that many individuals wish they had discovered sooner.
Key Features of Capital Preservation
1. Minimal Risk, Guaranteed Stability: Capital preservation ensures your principal is not at risk. Gains are locked in, and losses are avoided thanks to the guarantee floor of zero. This creates peace of mind since you know your wealth is protected.
2. Growth Without Losses: Any market gains are mirrored and added to your savings, but you do not participate in market losses. Once a gain is locked in, it becomes your new baseline, providing security while still allowing for steady growth.
3. Zero Management Fees: One of the most significant advantages of capital preservation is that it doesn’t come with management fees. Traditional strategies often charge a percentage of your account annually — typically 1-3% on average — which can significantly reduce your savings over time.
For example, a $500,000 account would lose $5,000-$15,000 a year to fees in a typical plan. With capital preservation, there are no management fees, so every dollar you save stays in your account, helping you reach your financial goals faster and more efficiently.
How It Works
Imagine starting with $100,000. In a traditional investment scenario, a 10% market gain might be followed by a 10% loss, leaving you at a net loss. However, with capital preservation, that same 10% gain is locked in, and any market decline doesn’t affect your savings. Over time, your wealth consistently grows without the setbacks of market volatility.
Implementing Capital Preservation: A Step-by-Step Approach
1. Assess Your Goals: Brian begins by asking, “How important is it to eliminate risks and fees from your current financial strategy?” If the answer is a 10 out of 10, it’s time to evaluate where your money is currently parked.
2. Decide Between Risk and Security: Many of Brian’s clients face a choice: continue with a strategy that exposes their wealth to market volatility and fees or reposition into an indexed-based approach that ensures steady growth. The decision is clear for those who prioritize stability and long-term security.
3. Work with a Specialist: As retirement consultants, the goal of Brian and his team is to create a tailored plan that fits your unique needs. They aim to ensure your savings are not only protected but positioned for modest, consistent growth that aligns with your financial goals.
A Client Success Story
One client went to Brian after years of financial missteps, seeking stability. Together, they implemented a capital preservation strategy that safeguarded his assets and allowed his wealth to grow without risk. Today, he’s not only confident about his own financial future but excited about creating a legacy for his children, a possibility he hadn’t envisioned before.
It’s Not About Making Money, It’s About Keeping It
In retirement, the focus shifts from earning more to preserving what you’ve built. By eliminating risks and fees, you avoid the lost opportunity of market downturns and create a foundation for steady growth. This approach isn’t just a strategy, it’s a mindset.
Your Financial Security Starts Here
If you’re ready to explore a low-risk approach to protecting and growing your wealth, capital preservation may be the solution you’ve been searching for. Brian Brian can help design a strategy tailored to your goals, ensuring your financial future remains secure for generations to come.
Take the first step today. Complete a quick questionnaire, and a specialist will reach out to you to discuss how capital preservation can work for you. Click here to get started.