Welcome to FIMA Financial. …

Growing Wealth for Retirement Begins with Risk Management

At FIMA Financial, we have put together a multi-disciplinary group of professionals who have a goal to help grow and protect your money. From asset protection to college planning, retirement, and estate planning, we offer a wide variety of services.

From 2000-02 the S&P declined 47%; the NASDAQ declined 78%.
From 2007-09 the S&P declined 56%: a 60/40 blend of stocks and bonds declined 33%.

The Fallout: A Lost Decade and More…

For a buy and hold investor it took almost 13 years- from March 2000-January 2013- just to recover what they had lost in the S&P downturns. They made nothing and would have seriously depleted their nest egg had they taken money out for retirement or emergencies.

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Can You Afford to Proceed with Business as Usual?

Since bottoming out in March 2009, the S&P has completed an 8-year bull market run that has more than tripled its value. Yet over the same time, the actual economy has recorded the weakest recovery since WW II. Does that make sense to you?

2 Major Sources Boosted Its Climb:

The Fed’s quantitative easing (QE)
Corporate stock buybacks

But the fed has now ended QE and begun a series of rate hikes. Also, insider selling from corporate executives has risen to record levels in recent months.

Facing such headwinds, are we about to experience “déjà vu all over again”? Can you afford to lose another 50-60% of your nest egg, or perhaps even more?

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Did you share in any part of that “lost decade” we outlined above?

Our Invitation To You

The fact that you’ve taken the time to visit our website tells us you are concerned about the issues we have outlined.

A good place to start is the Risk Analysis Questionnaire.

We invite you to complete and complimentary risk analysis. This analysis generates your own unique Risk Score which can be used to help determine the best wealth building tools for your personal situation.

Thank you for your time and consideration…..

Veronica Osmonov