Don & Emily

Preparing for Retirement

Key Concerns:

  • Having a plan for the unexpected
  • Generating enough income to sustain their lifestyle in retirement

Discover Pring Turner’s Solution for Don and Emily

Primary Financial Concerns:

  • Having a contingency plan in case something unexpected happened to a loved one
  • Maximizing future retirement income with a tax efficient financial plan
  • Generating enough income to sustain their lifestyle in retirement

Key Questions:

  • What if something happens to me, what can we do to ensure my spouse/partner is taken care of?
  • How can we best prepare for our future retirement?
  • Based on our current income and spending what is an appropriate retirement timeline?

Recommended Services:

Don and Emily have enjoyed successful careers and are looking forward to a fulfilling retirement. Don’s retiring from his managing position at a Fortune 100 company, and now that their four children are all grown, Emily finally has some extra time on her hands. They were looking forward to enjoying their retirement years together in their empty nest and had two key considerations when choosing their new financial advisor.

First, the couple wanted to find a financial advisor they could trust to handle investment decisions and oversee the family wealth should Don no longer be able to himself. Emily is younger than Don, who’s always managed the family money. As they retire, they want to ensure that Emily has a comfortable and trusting relationship with their financial advisor.

Our goal at Pring Turner is to provide clients like Don and Emily with added peace of mind, by knowing their financial advisor will be there to help them should something unexpected happen to their loved ones. Our financial advisors seek to become an important family confidant that work directly with you, your CPA, Estate Attorney, and other financial professionals to streamline and organize your financial life, so you can focus on what is most important to you.

Second, they wanted to work with a financial advisor that had a deep focus on protecting the valuable retirement nest egg. During his professional career Don experienced first-hand the business cycle related swings in the economy and financial markets. Due to that experience the couple had developed a conservative outlook which caused them to always live within their means. Simply put, Don and Emily were more concerned about building consistent returns, protecting their hard earned money and reducing financial stress than beating the market in bullish years.

At Pring Turner, we have lots of experience working with couples that are preparing for a “conservative” retirement. For clients like Don and Emily that really appreciate a conservative investment management approach, we strive to help build and manage a personalized high quality investment portfolio where downside protection is the top priority.

Case studies presented are hypothetical scenarios and for illustrative purposes only. Please see disclaimers page for additional information.

Advisors who specialize in retirement planning for families:

Joe Turner
Investment Advisor

Tom Kopas
Investment Advisor

Jim Kopas, CFA
Investment Advisor

Call 925 287 8527 to schedule a complimentary consultation session with one of these advisors.

Martin J. Pring

Martin J Pring

Investment Strategist

Intrigued by the dynamics of financial market behavior, Martin founded Pring Research in 1978 by providing research for financial institutions. Since 1984, he has published the Intermarket Review, a monthly global market report that analyzes the world’s principal financial markets. He has written more than 20 books on topics such as asset allocation, market psychology and investing around the business cycle. His widely popular book, “Technical Analysis Explained”, has been translated into 8 languages and for several decades was required reading for the Chartered Market Technician’s (CMT) designation.

Their shared interest in business cycle investing led Martin to join with Joe Turner and co-found Pring Turner Capital Group in 1988. Martin, in collaboration with Dow Jones Indexes, co-developed the Dow Jones Pring U.S. Business Cycle Index in 2012, a unique index based on the firms “Six-Stage” business cycle investment strategy.

Currently, he is adjunct professor at Golden Gate University in San Francisco teaching the world’s first virtual graduate level course on technical analysis. He has been honored by his peers with several lifetime achievement awards recognizing his career-long investment research contributions. Martin has traveled the world visiting more than 30 countries as an invited speaker to financial institutions and professional investment groups.

 
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Jim Kopas

Jim Kopas Portfolio Manager

Ever since he can remember, Jim has always had a keen eye for business. His “professional” career began at the ripe old age of 11 when he started a dog walking service to help neighbors with especially energetic pets. After just a few months of walking dogs and with years of accumulated birthday savings, Jim had enough money to open his first brokerage account. He has been enamored with investing ever since.

To grow his investing knowledge, Jim enrolled at Santa Clara University in 2005 and three years later received a BSC degree in Finance. Upon graduation he joined Pring Turner just in time to be greeted with the greatest financial crises since the Great Depression, an even more valuable learning experience than college. In 2013, he earned the Chartered Financial Analyst®(CFA) designation, the most respected and recognized investment management designation in the world.

Away from the office, Jim loves spending precious time with his wife Genna and daughter Kate. The Kopas family especially enjoys traveling, attending Cal Football games, and long walks with the family’s golden retrievers.

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Joe D. Turner

Joe Turner

Portfolio Manager

Joe began his career with Dean Witter in 1968. Feeling he could better serve clients as an independent advisor, in 1977 he formed an SEC registered investment advisory firm. In 1988, Joe joined with Martin Pring and co-founded Pring Turner Capital Group. Joe firmly believes one learns a subject best by teaching it. On that basis, Mr. Turner has taught multiple graduate level courses at Golden Gate University in San Francisco primarily on business cycle strategy and the psychology of investing. Joe is a graduate of Oregon State University. In his time away from the office he enjoys hunting, hiking and spending time with family and new grandchildren.

 
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Pamela Ross

Operations Manager

Pamela RossOriginally from British Columbia, Pamela moved to California in order to complete her undergraduate studies. She attended UC Davis where she earned a double major in International Relations and French in 2013.

Before joining the Pring Turner team, she worked with governmental and non-governmental bodies to raise awareness of humanitarian needs via legislative and educational initiatives. She used her organizational skills to establish a US-based foundation for a European philanthropic coalition. Her desire to serve others remains steadfast in her new role as Operations Manager. Her primary responsibility is to assist clients with all account servicing requests, while also integrating new technology and processes to our administration, compliance and office operations.

When Pamela is not at work, she enjoys being in the great outdoors, rigorously training for and competing in long-distance trail running events and relaxing over a cup of tea.

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Outdoor Junky

 

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Tom Kopas

Tom Kopas

Portfolio Manager

Tom began his career in the financial services industry at Dean Witter in 1981 and spent more than two decades developing his conservative investment strategy while at major Wall Street firms. During that time he teamed up with Joe Turner, giving lectures and teaching investment courses together at adult education programs before ultimately joining the Pring Turner Capital Group team in 2002. Tom’s strength is his old fashioned style of helping clients understand and navigate the investment world with confidence.

He is a career long investment educator and as a highly rated speaker is regularly invited to share his knowledge and experience about investing around the business cycle. Tom’s expertise and entertaining manner make him a favorite guest speaker at retirement groups. Mr. Kopas co-authored a book titled “Investing in the Second Lost Decade”, published by McGraw-Hill in 2012. Tom is a graduate of the University of California at Berkeley.

 
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