• Surprising facts about stock market investing

  • Is the next big market correction around the corner?

  • Methods to reduce, and even eliminate, your exposure to stock market risk

It was one of the scariest days Wall Street has ever seen. On February 5, 2018, the Dow Jones Industrial Average dropped nearly 1,200 points—the largest single-day point decline in stock market history.

Still, it could’ve been worse. The Dow had fallen about 1,600 points before buyers charged back in to help erase some of the losses before the market closed.

The damage wasn’t limited to domestic markets either. The incredible drop in U.S. equities caused a ripple effect that would impact markets around the world. The sell-off wiped out many investors’ gains for the year, along with the retirement dreams of many who are close to retirement age.

The damage wasn’t limited to domestic markets either. The incredible drop in U.S. equities caused a ripple effect that would impact markets around the world. The sell-off wiped out many investors’ gains for the year, along with the retirement dreams of many who are close to retirement age.

This whole situation reminded me of when I watched the dot-com implosion tear apart the markets in 2000 and again when I saw so many people’s fortunes eroded during the 2007–2009 stock market collapse.

In 1999, while most Wall Street cheerleaders seemed to believe that the sky was the limit, I believed something completely different. My knowledge of stock market history led me to believe that a big market correction was right around the corner. I knew from my interpretation of basic historical trends that the market was going to take a turn for the worst. The trends also told me there would be a series of dips that would last 15–20 years before the market improved again.

By understanding the history and trends, it enabled me to foresee the coming 2000 stock market collapse and the onset of a new 20-plus-year secular bear market cycle. Sure enough, the first big drop occurred from 2000– 2003. Fortunately, I was able to warn many of my clients of what I felt was coming and managed to help them avoid damaging losses to their retirement savings.

It was at this time that I decided to change my business model and build my practice around defensive, income-based financial strategies designed to help protect clients from dramatic stock market fluctuations and economic uncertainties.

When the market recovered from 2003 to 2007, some in the industry just buried their heads in the sand and pretended like the market correction hadn’t happened. However, I could not ignore what had happened. In 2007, I founded Advisors’ Academy with a vision to recruit other highly successful and motivated advisors and teach them how to always keep the interests of their clients first. Through ongoing personal coaching and training in a variety of innovative, market-proven systems and turnkey tools, hundreds of advisors from across the country now share my vision.

Then came the second “dip” from 2007–2009, and the market recovery of 2009–2011 seemed to give many stockbrokers and financial advisors license to pretend that these recurring “dips” were not part of a very predictable and repeatable cycle. Many of them continued with “business as usual.”

However, I could not in good conscience continue with business as usual. I felt more motivated than ever to expand my reach and share my insights with as many people as possible.

In 2011, I self-published my first book, Financial Insanity: How to Keep Wall Street’s Cancer from Spreading to Your Portfolio. I wrote this book with the goal of helping investors avoid many of the common mistakes they make, as well as those many advisors make with their clients’ assets. The book reveals things many Wall Street executives and financial advisors are unwilling, or unable, to talk about regarding these recurring financial cycles.

Until the disruptive and volatile markets that accelerated in 2014, we had kept many of our proprietary ways of trading fixed-income securities secret. Prior to 2014, fixed-income markets had provided ample returns for those with assets in this sector. Then, as Janet Yellen announced the Federal Reserve’s intent to end quantitative easing and start to raise interest rates, it was clear that this period of “easy pickings” for fixedincome investors was coming to an end.

Investors without the proper background would need to look to active managers who specialized in income investments to unearth the best opportunities. It was at this time that I decided to share our methods with those in The Income Generation—those born in 1966 or earlier.

In 2015, I founded Sound Income Strategies, LLC. Sound Income Strategies (SIS) is made up of experienced investment management specialists who actively manage their clients’ portfolios with the goal of maximizing income first and opportunities for growth second.

In 2016, I started my own TV show, The Income Generation, which airs on Newsmax TV every Sunday at 10:00 a.m. Broadcast to more than 70 million households every week, The Income Generation tackles the challenges and concerns unique to hardworking Americans at or near retirement who need to know how best to protect their money and generate income in today’s economic climate.

With guests that include some of today’s respected economists and analysts, my show cuts through the media hype, debunks popular myths, and exposes the financial planning secrets Wall Street doesn’t want you to know.

On February 5, 2018, I was so happy that I had followed my vision to change my business model and found Sound Income Strategies, because for many SIS clients who were invested primarily in fixed-income securities, February 5 was just another day. It was another day they didn’t have to worry about how the stock market performed, another day they knew their portfolios were protected from stock market volatility, generating reliable streams of income they could count on well into retirement.

By owning predominantly income-generating securities, SIS clients know, with greater certainty, what their financial future holds. While Sound Income Strategies uses a full scope of retirement savings and investment options to deliver dependable results for our clients, our primary focus is on income-oriented, defensive-based strategies. This approach is designed to provide clients with reliable results that are in line with their investment goals.

Now, I’ve gone one step further by launching our most ambitious project through The Retirement Income Store®. Just as department stores popped up to meet the consumer demands of a growing population, The Retirement Income Store®’s purpose is to meet the investment demands of a population that needs income to last their entire lifetime with less risk.


Although Sound Income Strategies and The Retirement Income Store® work with a broad range of clients, we specialize in working with those who are retired or near retirement. Increasingly, that means we work with Americans in the Baby Boomer demographic who understand that the game has changed significantly when it comes to planning for retirement. For most Baby Boomers, traditional, employer-based pensions no longer exist, and in the wake of two major stock market drops since the year 2000, many have learned the hard way that the mutual funds in their retirement accounts are vulnerable. Baby Boomers understand that the onus is on them, more than ever before, to prepare financially for retirement and protect their assets. With that in mind, we put a strong emphasis on active portfolio management and client education, working with all our clients to ensure they have the best possible investment strategy in place to meet their goals. We make sure our clients understand their investment options, the importance of financial defense, the alarming facts about stock market history, and how changing interest rates can impact certain investments adversely.


Believe it or not, since the turn of the century, fixed-income investors have achieved an average return that is very similar, if not slightly better, to that of buy-and-hold stock market investors, who have averaged roughly 4.75%, with dividends factored in and accounting for inflation, through the end of 20171. By comparison, many income-based investors whose portfolios have been properly managed have achieved close to 5% income and greater than a 5% total return2. Plus, they’ve done it with far less risk of a major loss during the two major market corrections that started in 2000 and 2007. In a way, fixed-income investors have been able to put their portfolios on “cruise control” and not worry if the next big market correction is right around the corner. The bottom line is that right now is a good time for anyone close to retirement to reduce, and even eliminate, their exposure to stock market risk. The markets have had a good run lately, and although they could still climb slightly higher, there is also a good chance we could see an overdue third major market correction in the near future.


Going back to March of 2019, things looked pretty good for the economy. President Trump was optimistic about the trade deal with China, and the Federal Reserve’s announcement at the end of March indicated it was becoming more dovish and planned to get out of the way. Since then, Chairman Powell has come out with remarks that some have interpreted as being slightly less dovish. Then, as the China trade deal started falling apart, the markets seem to have gotten spooked, resulting in higher levels of stock market volatility. Fortunately, most of the market’s big moves downward have been followed by big moves upward, but what if the next big drop isn’t followed by a big gain? What if it’s followed by a series of even bigger drops? If you are just starting out in your career, you might be able to ride out such a loss and be alright once you are ready to retire. However, if you are in or near retirement age, you don’t have the same luxury. Some of you might be thinking, what if you’re wrong and the market recovers and has a great year or two? That is possible, but for those of you close to retirement, are you willing to gamble your retirement savings on it?


Did you know that for many years, investing in stocks was considered too risky for the pension fund portfolios of many cities, states, and countries? So risky, that it was expressly prohibited in most cases. Instead, municipalities had a list of acceptable investments. The list varied from state to state, but it usually comprised of fixed-income investments such as government bonds and high-quality corporate bonds.3


If you are over the age of 50, Sound Income Strategies and The Retirement Income Store® want you to focus on what’s best for you, especially considering the possibility of an upcoming drop in stock prices that my history-based research suggests. My new book, The Retirement Income Stor-E, explains why the Fed’s past policies of keeping interest rates low only increase the risk of an upcoming market drop. However, we believe that individual investors who put their money to work with the same purpose-based methods used by institutional investors could significantly reduce and even eliminate the need to invest in the stock market during retirement. This is good because the next bear market could leave the portfolios of those still investing in stocks vulnerable. If you are not willing to own a stock for 10 years, do not even think about owning it for 10 minutes — Warren Buffett, CEO of Berkshire Hathaway


Large financial institutions develop investment policies that meet their purposes. They hire internal portfolio managers and research analysts with top-tier experience and education and provide them with state-of-the-art analytical tools, access to markets, and research capabilities. After they stack the odds in their favor, they have another little-known method that almost assures the certainty of an outcome. It’s not difficult to implement this proven method; you just need to know about it. Big banks, insurance companies, and corporate America use this method and have no reason to talk about it. In fact, these are among the brightest minds in money management. They don’t invest client money; they invest the money of huge financial entities.


Most of our clients report an immediate sense of comfort when they visit the Sound Income Strategies and Retirement Income Store® offices. Unlike other Registered Investment Advisors, we’re not looking to impress our clients with custom-made suits, mahogany walls, or gaudy statues of bronze bulls on our desks. We prefer to impress our clients by offering the somewhat predictable outcomes that large financial institutions enjoy. That’s why we’ve invested heavily in technology that provides the kind of service and results known mostly at firms worth billions. We’ve invested in state-of-the-art software and computer programs that scour the databases of hundreds of firms, filtering for well-suited investments at institutional pricing levels. Our team includes portfolio managers who hold the highly esteemed Chartered Financial Analyst designation. They’re armed with cutting-edge analytical tools, access to markets, and research capabilities. Our confidence comes from knowing that what we’re doing is right for The Income Generation and others we serve. We’re staffed with fixed-income and portfolio specialists who have succeeded at established firms. The goal is to provide you with a portfolio that is best suited to your individual needs.


If you were born before 1966, you’ve lived through the greatest stock market in history as well as some of the biggest declines the market has seen. You’ve also learned that good times don’t always last. Sound Income Strategies’ office in Fort Lauderdale is located a few miles from the Atlantic Ocean. Our office sits on the top floor of an unassuming building with a view of the blue waters of the Atlantic off in the distance. Port Everglades, one of the world’s most active shipping and cruising seaports, opens out to the Atlantic just a few miles south of us. On clear days, large ships are visible on the horizon as they line up and wait to enter the port. It’s interesting that the captains of these large ships have been able to safely navigate their ships through thousands of miles of sometimes treacherous waters, only to hand over control of their ships to a Harbor Pilot for those last few critical miles into the harbor. The Harbor Pilot is a boat captain who is a specialist in the specific harbor they work from. It’s their job to gain experience and know the specific dangers of their home port. Since the last few miles are filled with dangers that are virtually invisible to the untrained eye, the ship’s captain brings the Harbor Pilot on board and hands over control of the ship to this specialist. Bringing a Harbor Pilot aboard who is familiar with the hidden dangers that lie ahead allows each ship to reach the harbor safely with their valuable cargo intact. It’s similar for anyone who is in or near retirement. So far, you’ve managed to safely navigate your portfolio through decades of uncertain markets. Now, with so much on the line, it’s time to bring an expert aboard who is very familiar with the risks that lie ahead.


Although Sound Income Strategies and The Retirement Income Store® work with a wide range of clients, our Income Specialists assist in helping those who are part of The Income Generation, those born in 1969 or earlier. We have knowledgeable Income Specialists who are experienced at investing with methods that maximize income and growth while minimizing exposure to stock market risk.

If you are in retirement or near retirement, visit to find a local Income Specialist, registered with Sound Income Strategies, who can help reduce your exposure to stock market risk and help you generate reliable streams of income you can count on well into retirement.

All written content in this report is for information purposes only. Opinions expressed herein are solely those of Sound Income Strategies’ and The Retirement Income Store®’s editorial staff. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual advisor prior to implementation. Fee-based financial planning and investment advisory services are offered by Sound Income Strategies, LLC, an SEC Registered Investment Advisor. The presence of this report shall in no way be construed or interpreted as a solicitation to sell or offer to sell investment advisory services to any residents of states where we are otherwise legally permitted to conduct business. Investment Advisory Services offered through Sound Income Strategies, LLC, an SEC Registered

Investment Advisory Firm. The Retirement Income Store® , LLC and Sound Income Strategies, LLC are associated entities. The Retirement Income Store® – Where Retirees Go For Income

1. Annualized growth rate of the S&P 500 January 1, 2000, through December 30, 2017,

2. “2017 Ranking & Reviews: Top Ranking Best Fixed Income Investments”, Advisory HQ,


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