WHAT MAKES US DIFFERENT 

Disciplined: To Make Your Money Last

 

DISCIPLINED INVESTMENT MANAGEMENT

Make Your Money Last

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This is Larry's 2nd book. Read the first 3 chapters HERE.

OUR CLIENTS COME FIRST

 

You’ve worked hard all your life, now a new challenge arises: How to make your money last? That's our focus and why many clients join us.

 

We’re fiduciaries and always have been - our clients come first. This is serious, disciplined investing. There are no hunches, no products.

Disciplined is built around you, our clients. Our priorities are clear: to understand your objectives, achieve your goals and make your money last.

"We invest all of our money right along with you, at the same time, the same price – we’re with you."

 

Make Your Money Last

Making your money last is perhaps the greatest challenge most people will face in their lifetime. Why? Two reasons: Interest rates are historically low and lifespans have increased dramatically. 

It's a highly complex process that cannot be done casually on the back of an envelope. This requires serious planning and calculation.

 

That's why making your money last is priority #1 at Disciplined.

We focus on clients who want to make their money last:

  • Pre-Retirees

  • Retirees

  • Divorced Women

  • Legal Settlement Awards

  • Business Owner Liquidity Events

 

Below is our 7-step process to make your money last.

 

"Making your money last is priority one at Disciplined Investment Management. We believe it will be the greatest financial challenge most people will face in their lifetime."

 

CLIENT FOCUS

Working With You

Clients tend to come to Disciplined for a few reasons:

 

  • We’re fiduciaries; our clients come first

  • Disciplined focus on making your money last

  • Personal attention; we take care of you

 

We work with high net worth clients of all ages. Specifically, we focus on people who need to make their money last:

 

  • Pre-Retirees

  • Retirees

  • Divorced women

  • Legal settlement awards

  • Business owner liquidity events

Client Portals

At Disciplined, we offer two portals, each with a different purpose:

 

Disciplined Portal
See your portfolio asset allocation, positions and performance.

 

Disciplined Retirement Central

Review your financial plan and aggregate all of your assets.

 
 
 
 

ABOUT

WHAT MAKES US DIFFERENT 

Disciplined Investment was created to be a different type of

advisory firm.

We’re fiduciaries, our clients come first


•    Your goals and financial plan drive portfolio construction
•    We don’t sell product, there are no commissions
•    We don’t accept fees from outside sources

Portfolios managed with disciplined processes


•    No hunches, no guesswork
•    We invest
with low-cost index funds
•    Rebalance opportunistically to manage risk

Special focus: Make Your Money Last

Firm CEO’s portfolio is traded with our clients

 

 

"Like a lot of firms, we invest in index funds. But we do it differently. We rebalance opportunistically. We're always looking for opportunities to take advantage of long-term trends or disparities in value. That's different.

 
OUR CHICAGO TEAM

Click images below to view bios.

Larry Stein

CEO & Chief Investment Officer

Disciplined Investment Management

OUR TEAM

Click images below to view bios.

Susan Cinofsky Stein

Director of The Women's Group

Disciplined Investment Management

 
STRATEGIC PARTNERS

Click images below to view bios.

Jenifer Aronson

Managing Partner

Mosaic FL

STRATEGIC PARTNERS

Click images below to view bios.

Anita Venkiteswaran

Principal

Focus Financial Partners

Nelly Mubashi

 

MAKE YOUR MONEY LAST

The Challenge

Retirement used to be so easy. Retire at 65, buy bonds and live off the interest. Bond yields were generally in the 5-10% range and you only expected to live 5-10 years. What’s to worry about?

 

Things have changed. Investment grade bonds yield only about 2.5%, so living off the interest is a pipe dream unless you’re ultra-wealthy. With life expectancies on the rise, healthy retirees should plan on making your money last until you’re 95, if not 100.

 

To thread that needle, you need high-end software and a dedicated focus. We have both.

Disciplined's 7-Step Process

At Disciplined, we have developed a 7-step process to make your money last. It’s an integrated mix of financial planning, disciplined investing and serious math. One step builds on another. Miss one step and you may miss your goal. Click HERE to see our 7-step process.

 

The key takeaway is this:  To make your money last, you need to calculate your portfolio withdrawals based on a series of probabilities. That’s why this process is so demanding, there are so many unknowns. Life is dynamic, things change. Your advisor needs to be in close touch and ready to adjust. We are; we’re there for you.    

INVESTING

A Disciplined Approach

This is serious investing. No hunches, no products. We begin from a clean slate, with no preconceived notions. It all starts with your financial plan, in which we seek to determine the target investment return you need to achieve your goals and make your money last. With that knowledge, we work closely with you to determine an asset allocation that fits your long-term return objectives and risk tolerance. Our disciplined process is below.

Disciplined Indexed Strategy

We seek to reduce risk at every stage of our process. We don’t guess on stocks or on managers. Instead, we invest in index funds to keep costs low and taxes low, with global diversification. Risk management is critical, though we handle with care. Rather than try to pick tops, we seek to take advantage of volatility by buying value and opportunistically rebalancing your portfolio.

"Our investment process is based on a series of disciplines grounded in serious, time-tested research, and it’s all built around you: to achieve your goals, live the life you want and make your money last."

FINANCIAL PLANNING

We provide financial planning for our clients at no additional charge.  Financial planning is the cornerstone of our entire process, from investing to making your money last. We employ highly sophisticated software that enables us to model your specific financial situation, examine various scenarios and stress test the plan according to an unlimited range of potential events.  

 
Of course, planning for your retirement demands more than software and numbers; the personal side is just as important.  We will work closely with you to incorporate your life plans into your financial plan, and evaluate the ability to make your money last.


Larry Stein is a CERTIFIED FINANCIAL PLANNER (CFP®) and is the Chicago Ambassador for the national CFP Board.

The financial planning software we use gives our clients the ability to see their entire financial picture on a single screen. Their holdings and net worth are updated daily. They can see all of their assets, whether with our firm or elsewhere, in one place.

The software also has a digital vault, enabling you to share and store documents. We take security very seriously. Each client has a unique User ID and Password. The system encryption is among the highest in the industry. There can be no transactions; it's only for the display of up-to-date account balances. 

THE WOMEN'S GROUP

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"We created The Women's Group to focus on independent women and help them take charge of their finances. It's a mission we take very seriously. Look for us here and on Facebook."

The Women's Group is dedicated to working with high net worth women who are either divorced, have lost their spouse or are professionals planning for retirement. This effort is headed by Susan Stein, a financial advisor who is a Certified Divorce Financial Analyst and a former social worker.

In addition to our investment and financial planning services, we work closely with women in transition to help them re-start their lives successfully. Since women tend to outlive men, Disciplined’s efforts to make your money last often take on even greater importance with clients of The Women’s Group.

The Women's Group Blog

September 25, 2017

This is the second installment of our series on Make Your Money Last, which we believe is shaping up to be perhaps the greatest financial challenge faced by the next generation of retirees.

In Step 1,...

September 11, 2017

Here's the first step to Make Your Money Last: Before you retire, plan your retirement. This sounds so obvious, but so few people do it.

Think about it: If you retire at age 60, you may be facing a 40-...

June 19, 2017

Financial planning is rarely simple, but the challenges faced by divorced women make it even more complicated. Moreover, for perhaps the first time in many years, you are making difficult decisions co...

June 5, 2017

After going through a messy divorce (aren’t they all to some extent?), the last thing you want to do is mess with another bunch of administrative tasks.

But wait, there’s more to do. This to-do list ma...

April 26, 2017

The divorce is done and you’ve got your situation settled, as least as well as it can be for now. Life is still a whirlwind of change, but there are pockets of time when you can get a moment to think.

...

April 26, 2017

Today, the average 50-year old woman is likely to live to about age 83. But that doesn’t tell the whole story. Recent research has two surprises for you that may change the way you look at your abilit...

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Brief Videos on Articles

 
 
 
 
 
 

Make Your Money Last Blog

Brief Videos on Articles

Make Your Money Last Blog

August 14, 2018

With the bull market now 9 years old, the second longest in history, and interest rates rising, the media is filled with predictions of large stock market declines.

“Morgan Stanley: The biggest sell-of...

July 19, 2018

Our View (the Short Story)

Although the yield curve is near zero and could invert, we are not concerned about a recession in the near term. Even if the yield curve inverted, history shows that a recess...

May 14, 2018

Big Picture 

We continue to see evidence that decades of benign inflation is giving way to a new reality of higher inflation. Not necessarily runaway inflation, but higher than it's been. This is evide...

September 25, 2017

This is the second installment of our series on Make Your Money Last, which we believe is shaping up to be perhaps the greatest financial challenge faced by the next generation of retirees.

In Step 1,...

September 11, 2017

Here's the first step to Make Your Money Last: Before you retire, plan your retirement. This sounds so obvious, but so few people do it.

Think about it: If you retire at age 60, you may be facing a 40-...

June 13, 2017

Life goes by fast. When you’re nearing the end of your career, it can seem as if you just started. Especially if you’re behind on saving for retirement.

When your net worth is staring you in the face a...

June 13, 2017

Retirement investing used to be so simple. Retire at 65, buy bonds and live off the interest until you died, which was probably in about five to 10 years. Just set it and forget it.

Things have changed...

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