Find out how I may be able to enhance what you've already been able to accomplish:


RETIREMENT INCOME I help couples increase their retirement income more than $1,838/mo on average by combining these 3 strategies:

  1. SOCIAL SECURITY I show people age 62 & over how to increase their income by 67% using SSA Reg. 202.025.
  2. INVESTMENT INCOME I show people how to increase the income generated by their current investments by 25% (without additional risk) by simply using a formula developed at the University of San Francisco School of Business.
  3. TAX PLANNING I reduce the tax people, who don't work full-time, pay on their investment income to 1.7% using IRC Section 72.

What would you do with an additional $1,838/mo throughout retirement?

>> Read Some Ideas >>

Are  you leaving retirement income on the table?


WEALTH MANAGEMENT - Things many couples forget to do at retirement

IMPROPER ACCOUNT TITLING:  Having your accounts titled "JT WROS" & "JT TEN" can unnecessarily subject your assets to probate & lawsuits; as well as cause inadequate access to cash in an unforeseen circumstance.  Do you have accounts titled this way?

ACCESS TO ASSETS:  Many retirees, even those with a Power of Attorney, won't have access to their money when they need it most.  It’s important to always look for ways to grow your money; but what kind of Wealth Manager would I be if I didn’t help ensure you always have access to your money as well?

BENEFICIARY DESIGNATIONS:  Most retirees have inadvertently set up the beneficiary designations of their retirement accounts, life insurance & annuities to disinherit their grandchildren – and they don’t even know they’ve done so.  What will your grandchildren think if you disinherit them?

INVALID HEALTH CARE DIRECTIVES:  Most retirees haven't done the two things to ensure they’re treated medically in the manner they desire - the two things their attorney does not help with.

Access to your assets, beneficiary designations, medical wishes...  these things matter - I know how to help


INVESTMENT ADVISORY  I deliver a low-cost, highly liquid, fully transparent and regularly-updated portfolio custom-designed for each of my clients and their unique goals by assembling a collaborative group of professionals utilizing the latest technology.

FULL DISCLOSURE  I show people the 3 things their current investment adviser would probably not want them to see

Whether you have $500,000 or $5,000,000 - is your portfolio working for you?


Need more reason to request a complimentary review to see how I may be able to enhance what you've already been able to accomplish?

UNPAID DEATH BENEFITS:  Most life insurance policies put in-force prior to 2002 were unknowingly structured to prevent their beneficiaries from receiving the death benefit.  Are your loved ones at risk?  

LONG-TERM CARE:  I show people how to get long-term care coverage without buying Long-Term Care insurance.

IRA/401k DISTRIBUTIONS:  I show people how to withdraw money from their IRA & pay 47% less tax using IRC Section 408.

 

Request a Complimentary Review

  • OBJECTIVE I'll tell you the areas you may be able to improve and the areas you're already doing well! 
  • COMPLIMENTARY You have nothing to lose (except about an hour to come by the office)
  • COMPREHENSIVE I can look at your entire situation
 
LOGO 401kInvestmentPros.jpg
 
 
 

We help people invest their retirement plans at work.

Investing Your 401k Made Easy

Free Recommendations. You Implement.  Once a month, you'll receive allocation recommendations that you implement in your plan.


Premium Service. Automated Everything.  You relax while your account is allocated, monitored & updated automatically.

green line.jpg

Free Recommendations

Just like the GPS in your car, it's your responsibility to follow the directions.  Each month, your investment options are reviewed and a determination is made if you should change your allocations.  If so, you will be notified to access your new allocations either through your customized website or via an app on your phone or tablet.  Then, you'll go into your 401k and make the changes yourself.

[view sample]

 

 
air_drones_flying_uav_robotics_industry_flat_line_icons_set_technology_innovation_remote_control_wireless_system_vector_illustration_concept (2).jpg

Premium Service

Just like autopilot in a plane, the pilot can sit back and enjoy the flight.  He still has to pay attention to what's going on, but he doesn't have to fly the plane.  With our premium service, you sit back and relax while the selection, management & updating of your 401k investment allocations is done for you automatically.  Plus, our premium service specializes in reducing the risks associated with investing using two risk reduction techniques: the proven method of asset allocation, combined with the discipline of pro-active asset management.  So, your hard-earned money will be watched closely and your account will be proactively managed to help protect you during market declines.  Anyone can make money when the markets are going up, it's what you do when they go down that can really make a difference.


About

Hi, I'm Eric, an Investment Adviser Representative in the Twin Cities area.  My role is in helping busy professionals & retirees get the investment advice & management they need to make the most of their financial future.  Since 2003, I've been helping people with their taxable investment accounts, IRAs, Roth IRAs and other retirement accounts.  Due to recent regulatory changes & technological advancements, some of the same investment advice & management is now available in your retirement account at work - which is why I created 401kInvestmentPros.com.  Give me a call at 952-540-0153, email me at [email protected], stop by my office and introduce yourself [just West of downtown Minneapolis] or fill out one of the forms on this site - whether you are just starting out or can see retiring on the horizon, together, we can make the most of your retirement account at work.

Hagen - Float FacingLeft web.jpg

Eric Hagen

952-540-0153


Take Your 401k to the Next Level

Free Recommendations

 
 

Once a month, your options are reviewed and you'll receive any allocation changes that you implement in your plan.

3 Easy Steps:

  1. Each month your options are reviewed and a determination is made if you should change your allocations. If so, you will be notified to make the changes.

  2. Access your recommendations, either through the website and/or the app on your phone or tablet.

  3. Log into your plan website and make the recommended changes.


  • There is no cost to this service
  • Your allocations are only provided to you - you have to implement any changes each month in your retirement plan
  • Custom allocations recommendations are based on the exact investment options that you have available in your particular plan(s)
  • You view your allocations anytime - via web or app
  • Maybe you are comfortable investing your retirement account and just want a second opinion - this service is great because you don't have to implement the recommendations provided to you

Premium Service

 
air_drones_flying_uav_robotics_industry_flat_line_icons_set_technology_innovation_remote_control_wireless_system_vector_illustration_concept (2).jpg
 

Your plan is reviewed, allocated, monitored and updated for you automatically.

Not only is the investing done for you, but our premium service takes management a step further & specializes in reducing the risks associated with investing by using two risk reduction techniques: the proven method of asset allocation, combined with the discipline of pro-active asset management.


  • Your plan is allocated for you and automatically updated as necessary - it's like putting the management of your plan on autopilot
  • Custom strategy for you & your retirement account at work
  • A risk-management approach is used to help reduce risk & protect your retirement account in market declines by moving you out of risky investments and into safe ones
  • Fee-only: one half of 1% (.005%) quarterly fee - no commissions, loads or sales charges.  In most plans, this can be billed directly to your account so you never write a check or receive an invoice.
  • Focuses on the goal of risk management
  • draws upon market monitoring in the management of your investments
  • actively manages your portfolio based on market conditions
  • positions your assets to suit your own risk/reward profile
  • adding professional management:
    • dedicated portfolio management for your account
    • dynamic management strategies that seek to position your investments for current market conditions
    • professional fund analysis and selection that takes the confusion and guesswork out of investment decisions
  • professional money management solution featuring:
    • analysis of market variables to move assets into an invested, partially invested or defensive (money market or defensive bond) position
    • assets are moved as market conditions warrant
    • may be applied to domestic equities, international equities, bonds - or some combination of these
  • If you don't have time, energy or expertise to manage your 401k, contact us to learn how our premium service can help you make the most of your retirement account at work.
 

Will Your 401k be Ready for Retirement?  We Can Help

 
LOGO 403bInvestmentPros.jpg
 
 
 

We help people invest their retirement plans at work.

Investing Your 403b Made Easy

Free Recommendations. You Implement.  Once a month, you'll receive allocation recommendations that you implement in your plan.


Premium Service. Automated Everything.  You relax while your account is allocated, monitored & updated automatically.

green line.jpg

Free Recommendations

Just like the GPS in your car, it's your responsibility to follow the directions.  Each month, your investment options are reviewed and a determination is made if you should change your allocations.  If so, you will be notified to access your new allocations either through your customized website or via an app on your phone or tablet.  Then, you'll go into your 403b and make the changes yourself.

[view sample]

 

 
air_drones_flying_uav_robotics_industry_flat_line_icons_set_technology_innovation_remote_control_wireless_system_vector_illustration_concept (2).jpg

Premium Service

Just like autopilot in a plane, the pilot can sit back and enjoy the flight.  He still has to pay attention to what's going on, but he doesn't have to fly the plane.  With our premium service, you sit back and relax while the selection, management & updating of your 403b investment allocations is done for you automatically.  Plus, our premium service specializes in reducing the risks associated with investing using two risk reduction techniques: the proven method of asset allocation, combined with the discipline of pro-active asset management.  So, your hard-earned money will be watched closely and your account will be proactively managed to help protect you during market declines.  Anyone can make money when the markets are going up, it's what you do when they go down that can really make a difference.


About

Hi, I'm Eric, an Investment Adviser Representative in the Twin Cities area.  My role is in helping busy professionals & retirees get the investment advice & management they need to make the most of their financial future.  Since 2003, I've been helping people with their taxable investment accounts, IRAs, Roth IRAs and other retirement accounts.  Due to recent regulatory changes & technological advancements, some of the same investment advice & management is now available in your retirement account at work - which is why I created 403bInvestmentPros.com.  Give me a call at 952-540-0153, email me at [email protected], stop by my office and introduce yourself [just West of downtown Minneapolis] or fill out one of the forms on this site - whether you are just starting out or can see retiring on the horizon, together, we can make the most of your retirement account at work.

Hagen - Float FacingLeft web.jpg

Eric Hagen

952-540-0153


Take Your 403b to the Next Level

Free Recommendations

 
 

Once a month, your options are reviewed and you'll receive any allocation changes that you implement in your plan.

3 Easy Steps:

  1. Each month your options are reviewed and a determination is made if you should change your allocations. If so, you will be notified to make the changes.

  2. Access your recommendations, either through the website and/or the app on your phone or tablet.

  3. Log into your plan website and make the recommended changes.


  • There is no cost to this service
  • Your allocations are only provided to you - you have to implement any changes each month in your retirement plan
  • Custom allocations recommendations are based on the exact investment options that you have available in your particular plan(s)
  • You view your allocations anytime - via web or app
  • Maybe you are comfortable investing your retirement account and just want a second opinion - this service is great because you don't have to implement the recommendations provided to you

Premium Service

 
air_drones_flying_uav_robotics_industry_flat_line_icons_set_technology_innovation_remote_control_wireless_system_vector_illustration_concept (2).jpg
 

Your plan is reviewed, allocated, monitored and updated for you automatically.

Not only is the investing done for you, but our premium service takes management a step further & specializes in reducing the risks associated with investing by using two risk reduction techniques: the proven method of asset allocation, combined with the discipline of pro-active asset management.


  • Your plan is allocated for you and automatically updated as necessary - it's like putting the management of your plan on autopilot
  • Custom strategy for you & your retirement account at work
  • A risk-management approach is used to help reduce risk & protect your retirement account in market declines by moving you out of risky investments and into safe ones
  • Fee-only: one half of 1% (.005%) quarterly fee - no commissions, loads or sales charges.  In most plans, this can be billed directly to your account so you never write a check or receive an invoice.
  • Focuses on the goal of risk management
  • draws upon market monitoring in the management of your investments
  • actively manages your portfolio based on market conditions
  • positions your assets to suit your own risk/reward profile
  • adding professional management:
    • dedicated portfolio management for your account
    • dynamic management strategies that seek to position your investments for current market conditions
    • professional fund analysis and selection that takes the confusion and guesswork out of investment decisions
  • professional money management solution featuring:
    • analysis of market variables to move assets into an invested, partially invested or defensive (money market or defensive bond) position
    • assets are moved as market conditions warrant
    • may be applied to domestic equities, international equities, bonds - or some combination of these
  • If you don't have time, energy or expertise to manage your 403b, contact us to learn how our premium service can help you make the most of your retirement account at work.
 

Will Your 403b be Ready for Retirement?  We Can Help

 

Faith & Finance | Biblically Responsible Investing | Socially Responsible Investing

Do your finances reflect your faith?   You may be surprised to learn that there are 2,350 passages in the Bible on the topic of money & possessions - more than 4 times as many as those on faith or prayer.  I believe this is a reflection of God's desire for our hearts.  Jesus says, "No one can serve two masters. Either you will hate the one and love the other, or you will be devoted to the one and despise the other. You cannot serve both God and money." -Matthew 6:24. 

Here are six transcendent planning principles to consider:

  1. Understand that God owns it all .  "The earth is the Lord's, and everything in it, the world, and all who live in it." -Psalm 24:1 (NIV)
  2. Spend less than you earn.   "Dishonest money dwindles away, but whoever gathers money little by little makes it grow." -Proverbs 13:11 (NIV)
  3. Avoid debt.   "The rich rule over the poor, and the borrower is slave to the lender."  -Proverbs 22:7 (NIV)
  4. Build liquidity (margin) .  "Go to the ant, you sluggard; consider its ways and be wise!  It has no commander, no overseer or ruler, yet it stores its provisions in summer and gathers its food at harvest."  -Proverbs 6:6-8 (NIV)
  5. Set long-term goals.  "Look carefully then how you walk!  Live purposefully and worthily and accurately, not as the unwise and witless, but as wise (sensible, intelligent people), making the very most of the time [buying up each opportunity], because the days are evil.  Therefor do not be vague and thoughtless and foolish, but understanding and firmly grasping what the will of the Lord is."  -Ephesians 5:15-17 (AMP)
  6. Rejoice in generosity   "But since you excel in everything - in faith, in speech, in knowledge, in complete earnestness and in the love we have kindled for you - see that you also excel in this grace of giving."  - II Corinthians 8:7 (NIV)

 

Faith & Finance | Biblically Responsible Investing | Socially Responsible Investing

So whether you eat or drink or whatever you do, do it all for the glory of God. - 1 Corinthians 10:31 

Business has a very high calling - it is meant by God to be His partner in creating value & blessing for human-kind.  A Biblically-responsible approach to investing believes that businesses who do this especially well earn attractive & sustainable returns.  They are meant to be engines for creating greater & greater value for customers, for communities and - often times - for investors.  A Biblically-responsible approach to investing seeks to invest in these companies. 

Scripture makes clear however, that wealth can also be amassed in a very different way – by plunder.  Unfortunately, many businesses - in subtle & not-so-subtle ways - make money not by creating value, but by extracting value – from customers, employees, suppliers or the environment.  Such businesses work contrary to Gods intent.  And as both Scripture and frequent business headlines make clear, plunder business models tend to end badly – including potentially for investors.

A Biblically-responsible approach to investing is infused with a deeply Biblical appreciation to Gods intent for business.  In turn, this approach seeks to provide investors with an opportunity to do good by doing well – to partner with companies who serve customers & society in compelling ways, and that, as a result, prosper.

 

Faith & Finance | Biblically Responsible Investing | Socially Responsible Investing

 

Socially responsible investing (SRI) - also known as sustainable, socially conscious, "green" or ethical investing - is any investment strategy which seeks to consider both financial return and social good.

In general, socially responsible investors encourage corporate practices that promote environmental stewardship, consumer protection, human rights, and diversity. Some avoid businesses involved in alcohol, tobacco, gambling, pornography, weapons, and/or the military.

One in every nine dollars under portfolio management in the U.S. is now slated towards sustainable and socially responsible investing. (1)

To meet our clients needs, we now offer a comprehensive suite of resources that combines investment intelligence with social awareness - we call it the Sustainability Platform.  This solution offers access to: 

  • A broad universe of separately managed accounts, mutual funds and ETFs that incorporate ESG factors
  • Sustainable Portfolios managed by leading investment managers
  • SRI Personal Conviction Screens: SRI Best-in-Class & SRI Strict

The SRI Best-in-Class Screen is designed for investors who wish to integrate Environmental, Social and Governance (ESG) factors into their investments with limited deviation from their overall investment objective.  The screen is a best efforts attempt to exclude major manufacturers and retailers of specific products that do not meet the personal convictions criteria chosen by the client.  The screen is designed to include companies whose ESG performance is higher than their industry peers and attempts to identify companies within each industry with the "best ESG practices".

The SRI Strict Screen is designed for investors who wish to integrate Environmental, Social and Governance (ESG) factors into their investment while at the same time maintain their overall investment objective.  The screen is a best efforts attempt to minimize exposure to specific products, services and practices that do not meet the personal convictions criteria set by the clients and is designed to exclude companies who derive more than minimal levels of revenue from major manufacturers and retailers of specific products. 

There are 17 screens available, many of which have both a Best-in-Class & SRI Strict screen.:

Limit Alcohol

Limit Cruelty to Animals

Limit Firearms

Limit Gambling

Limit Adult Entertainment

Limit Military Weapons

Limit Nuclear Power

Limit Tobacco

Protect Customer Rights

Protect Employee Rights

Protect Environment

Protect Human Rights

Limit Landmines

Limit Abortion

Limit Contraceptives

Limit Embryonic Stem Cell/Fetal Tissue Research

Limit Pork/Usury

 

 

(1)  Source: Social Investment Forum, 2007 Report on Socially Responsible Investing Trends in the United States