Helping individuals build secure futures

Hi, I'm Chris, the founder of First Shelbourne. I appreciate you visiting the site. I started this advisory firm to give individuals quality service at the lowest cost. The spirit of this firm is all about helping you navigate retirement in a secure manner. 

When it comes to individuals investing their retirement money, savings, or an inheritance, the consequences are high if not done correctly. One mistake can wipe out hundreds of thousands of dollars during a severe market downturn. Wages to recoup these lost funds are usually not available because many are now in retirement and lack the earning capability. It's crucial to steer clear of investment errors during this time.

Many individuals save for retirement through employer 401k plans, never fully understanding their investments or choices. Workers retire, only to make a decision of whether to keep their 401k in their employer plan, or roll the funds over into their own IRA. Problems usually begin at this point. 

If individuals keep their funds within their employer plan, the investment options within the plan lack many of the proper building blocks and safeguards to create a portfolio that doesn't crater everytime the stock market drops. Within these plans, one can't buy individual short-duration treasury bonds or FDIC-insured bank CDs.

Many resort to transferring their money to a stable fund within their plan, which also carries fees that many are unaware of. The interest rate you get on this stable fund is most likely always less than what you can earn on a risk-free treasury. The plan keeps the difference. Many are paying 1% or higher fees on stable funds through this hidden lost opportunity cost.

It can be challenging for investors to personally manage their funds when rolling them over into their IRA for the first time, often leading to unfavorable outcomes. As a result, many individuals turn to investment advisors for assistance.  

Having some of the lowest fees in the industry, I specialize in building lower-volatile portfolios consisting of a high allocation toward individual bonds and CDs. With regards to stocks, I only buy index ETFs or select individual companies with long term economic advantages. My aim is to build you a portfolio that has less volatility than the general market while still generating adequate income.

Investors have gotten a rude awakening in 2022 and currently in 2023. Many of the bonds in 401k plans were longer-dated bond funds, which are highly volatile. 

If you are looking for advisory services and don't know where to start, feel free to call or send me an email and I will answer any questions you have. I'm also available for in-person or vitual meetings. 

My goal is to make you feel as comfortable as possible during this process.