RMG Advisory Services

06/16/2026

"A hammer is useful. A pile of hammers is not a house."

Discover why owning multiple index funds may not ensure true diversification and how to build a structured portfolio for better financial outcomes.

06/15/2026

It took 168 coffee beans to make today’s cup. I counted. Not because I’m weird.

Okay, maybe a little.

But this morning, I sent a Happy Monday note to clients reminding them of three things:

-Their plan is working.
-Progress is happening.
-And questions are not interruptions — they’re part of the process.

At RMG, Q&A isn’t a side dish. It’s one of the main ingredients.

Markets are noisy. Life is busy. Coffee helps.

Become a Fanatic.

www.rmgadvisor.com

06/15/2026

She had more than enough money to retire. That was not the problem....

Explore the deeper questions of retirement: finding purpose beyond financial security and crafting a meaningful new chapter in life.

06/13/2026

Are You Sure About What You’re Handing Over?

Business transitions are complex, requiring clear identification of transferable assets and value preservation. Owners must analyze cash flow, demand, equipment, inventory, real estate, systems, intellectual property, and staff to ensure a successful sale or succession....

Learn how to successfully transition your business by identifying transferable assets, cash flow, and building a sustainable company structure.

06/01/2026

Why More Retirement Advice Often Creates More Anxiety

Read the article here:

https://rmgadvisor.com/2026/06/01/why-more-retirement-advice-often-creates-more-anxiety/

05/15/2026

Inflation is one of the biggest threats retirees face.

Not market volatility, headlines, or even recessions.

Inflation.

Because once you retire, the question is no longer just:

“Can I create income?”

The real question is:

“Can my income keep its purchasing power over the next 20 or 30 years?”

That’s where annuities can fall short.

Fixed annuities may provide stability, but the income can lose buying power over time.

Indexed annuities may sound like they are tied to the market, but caps, spreads, participation rates, surrender charges, and contract limits can restrict the actual growth.

Variable annuities may offer market exposure, but fees and complexity can eat into the benefit.

None of that means annuities are always bad.

They can have a role.

But retirees should be careful about treating an annuity as the entire retirement income solution.

Historically, stocks have helped investors outpace inflation.

Dimensional’s data shows that from 1928–2025, in years when inflation was above its historical median, average annual real returns were still positive:

S&P 500 Index: 4.6%
Dimensional US Small Cap Index: 7.7%
Dimensional US Small Cap Value Index: 10.8%

Real returns mean returns after inflation.

That matters.

Because retirement income planning should not just be about creating a paycheck.

It should be about creating a paycheck today while preserving purchasing power tomorrow.

For many retirees, the better answer may not be annuity or market.

It may be annuity plus market, depending on the person.

-Safety for essential income; if that's what you need.
-Growth for inflation protection; that's what EVERYONE needs.
-Discipline so neither fear nor salesmanship drives the decision.

Retirement income should be designed around your life, not sold around a product.

If you’re nearing retirement, ask a better question:

“What income plan gives me the best chance to live well for the rest of my life?”

05/07/2026

03/26/2026

The Westwood Mall Hippo has retired and is doing a Rollover with RMG.

Be like the hippo-roll over with RMG.

03/09/2026

The Dow has fallen about 3,000 points.

While I generally discourage timing the market, now wouldn't be a horrible time to think about that cash you have parked on the sidelines. Maybe it would be better invested now when prices are low?

Will investing your cash now make all your dreams come true with riches and fame when the market rebounds to 50K+?

I mean, there's a chance it will if you're special, but for the rest of us, probably not.

We don't hunt for windfalls. We make prudent decisions (especially when it's a no brainer), sometimes small but meaningful decisions over and over again that stack one on top of the other to build robust outcomes (aka security).

It's the totality of smart moves over a lifetime that create wealth more often than windfalls.

01/24/2026

The market is at an all-time high, which makes some people nervous. When prices are high, the word “bubble” gets thrown around, but markets being high is not unusual, it’s just what they do over long periods of time. Prices rise and fall, and no one can reliably predict the turning points, which is why long-term investors like you don’t panic over headlines.

What matters is WHY prices are high. Today, companies are actually making strong profits, and higher profits tend to lead to higher stock prices. That’s very different from periods (such as the dot-com 'bubble') when prices rose even though some companies weren't earning much money—that’s when real problems tend to show up.

So when you hear talk about bubbles and crashes, take a breath. Yes, markets can decline. They can also keep rising. The point isn’t to guess what happens next, but to stay invested in a system that, over time, reflects real business growth and rewards you for it rather than making decisions based on fear.