Plan, Preserve, Protect
When he opened his financial adviser firm in 2002, David Gaylor remembers seeing a number of new clients still numb from the latest recession.
“At the time, some people had lost half or more of their life savings. They would bring six months of unopened brokerage statements and say, ‘I can’t
deal with this any more,’ ” Gaylor recalls. “A lot of them weren’t getting a whole lot out of the traditional brokerage world. In many cases, 90 percent of their life savings had been put at risk.”
Gaylor knew it didn’t have to be that way. He founded Tradewinds
Financial Group Inc. with its primary goal to focus on asset preservation, serving the retirement needs of baby boomers and the elderly.
“I use safe and secure investments for a good-sized part of someone’s portfolio,” Gaylor says. “It’s critical to follow financial planning fundamentals.”
On the other hand, Gaylor is not a fan of traditional market mantras like a buy-and-hold strategy. “Why just wait for the market to go up or down?” he says. “It doesn’t make sense to me to lose 30 or 40 percent because someone says, ‘Hang in there, it will come back.’ We work with private wealth managers who are very proactive and will rotate cash in a time of crisis.”
Gaylor’s emphasis on asset preservation is based on his belief that “retirement is not about getting rich and hitting a home run. It’s about avoiding strikeouts. Avoid the big mistakes and you are going to have a successful retirement.”
A Legacy Financial Adviser Firm
Gaylor believes his asset preservation strategy is even more needed at a time when longevity is the greatest risk to retirement savings. He notes statistics show that for a couple who retire at 62, there is a 50 percent chance one is still going to be alive in 30 years.
“Therefore our major approach is to determine income needs, then find a way to generate income to cover basic needs and invest the rest for growth,” Gaylor says.
Gaylor, a financial planner for 25 years and a lifelong resident of Sidney, is planning for his own firm’s future. This year his daughter, Aubrey Stutz, joins the firm as an investment adviser. “She is a very thorough technician and adds a fresh perspective as well as a female point of view,” Gaylor says.
Remembering those unopened statements from clients not well served by big brokerage firms, Gaylor says his firm offers the Greater Miami Valley region from Dayton to Lima much-needed independent financial advice.
“We aren’t affiliated with a large Wall Street bank or investment firm. We don’t have anyone dictating what products are best for our clients. We honor our fiduciary duty and always work with our client’s best interests.”
100 S. Main Ave. | Suite 101B
Sidney, OH 45365
937-492-6016 | tradewindsretirement.com
Investment advice is offered by Horter Investment Management, LLC, a Registered Investment Adviser. Insurance and annuity products are sold separately through Tradewinds Financial Group Inc. Securities transactions for Horter Investment Management clients are placed through Pershing Advisor Solutions, Trust Company of America, Jefferson National Monument Advisor,
Fidelity, Security Benefit Life, FC Stone and Wells Fargo Bank, N.A.