Retirement Ready Income Programs

Testimonials From Mentoring Program and Workshop Graduates

Submitted by Steve Selengut | RSS Feed | Add Comment | Bookmark Me!

:  Steve's trading methodology is fantastic. Having read the book, completed a ten workshop program and sitting down with him one on one, I would encourage anyone who feels they need better results on managing their investments to sign on for all of the above. Whether you are a novice or somewhat seasoned this disciplined process is a no-brainer. Steve gives you all of the guidelines to effectively select and manage your portfolio. Best of all his patience and grounded nature instills confidence. Mark Stratton

: The Workshop series is very interesting from beginning to end. You can definitely read the book and get most of the same information, but the workshops help to put it all together, and to apply the theory in a practical way. The best part is that you have complete control. I would recommend the workshop to anybody who wants to take full control and responsibility of their finances. Evangelos Tambassis

: The web workshops tie it all together, and are an absolute bargain--- well worth the time and small expense... learn from a master investor, real time, from the comfort of your own home or office. Roger Ingram

: I've enjoyed your informative workshops. They provide additional insight into the principles identified in your book. Your philosophy and principled, straightforward way of investing is a breath of fresh air. Adam Dabek  

: I believe that anyone who is interested in managing his own money will benefit from personal sessions with Steve. He’s enthusiastic and patient, and he works too cheap. It almost seems like he’s on a mission to save investors from the financial industry. Doug Light

: Your material, your emphasis on QDI and profit taking have helped me tremendoulsy over the last six months of investing. I have about 10 years until retirement and your instruction on asset allocation and income investing, and working capital growth have given me the confidence that I will be able to manage my program to produce all of the retirement income I'll need. Adam Dabek 

: I want to thank you for your efforts to dispel some erroneous concepts concerning investing in stocks for growth and retirement. I have taken several courses (Techni-Trader and Protitunity), but yours is the best and has shown results right out of the box. Thank you. You have given me a way to grow my Working Capital and live off my dividends without the stess of speculation and short term trading. Marv Sherman  

: Thanks very much for the learning experience. I think your more active approach [to Income Portfolio Management] makes a lot of sense.      All the best,  Alan Lenowitz  

: Thanks for the mentoring program; I found it helpful and enjoyable --- I would recommend it. I like the MCIM program because it is rule based and carefully thought out. Carole Reisenfeld


Steve is the author of: The Brainwashing of the American Investor: The Book that Wall Street Does Not Want YOU to Read, and A Millionaire’s Secret Investment Strategy. 





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Retirement Ready Income Programs
2971 Maritime Forest Drive
Johns Island, SC 29455
Phone (800) 245-0494 • Fax (843) 243-8509
Contact Steve directly for additional information: 800-245-0494
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Please read this disclaimer:
Steve Selengut is registered as an investment adviser representative. His assessments and opinions are purely his own. None of the information presented here should be construed as an endorsement of any business entity; the information is only intended to be educational and thought provoking.

Please join the private article mailing list or Call 800-245-0494 for additional information

Risk Management: Income, 401k, and IRA Programs

Take a tour of a professional investment managers' private SEP IRA program during ten years surrounding the financial crisis:


In developing the investment plan, personal financial goals, objectives, time frames, and future income requirements should all be considered. A first step would be to assure that small portfolios (under $50,000) are at least 50% income focused.

At the $100,000 level, between 30% and 40% income focused is fine, but above age 50, the income focus allocation needs to be no less than 40%... and it could increase in 10% increments every five years.

The "Income Bucket" of the Asset Allocation is itself a portfolio risk minimization tool, and when combined with an "Equity Bucket" that includes only Investment Grade Value Stocks, it becomes a very powerful risk regulator over the life of the portfolio.

Other Risk Minimizers include: "Working Capital Model" based Asset Allocation, fundamental quality based selection criteria, diversification and income production rules, and profit taking guidelines for all securities,

Dealing with changes in the Investment Environment productively involves a market/interest rate/economic cycle appreciation, as has evolved in the Market Cycle Investment Management (MCIM) methodology. Investors must formulate realistic expectations about investment securities--- by class and by type. This will help them deal more effectively with short term events, disruptions and dislocations.

Over the past twenty years, the market has transitioned into a "passive", more products than ever before, environment on the equity side...  while income purpose investing has actually become much easier in the right vehicles. MCIM relies on income closed end funds to power our programs.

To illustrate just how powerful the combination of highest quality equities plus long term closed end funds has been during this time... we have provided an audio PowerPoint that illustrates the development of a Self Directed IRA portfolio from 2004 through 2014.

Throughout the years surrounding the "Financial Crisis", Annual income nearly tripled from $8,400 to $23,400 and Working Capital grew 80% $198,000 to $356,000.

Total income is 6.5% of capital and more than covers the RMD.

Managing income purpose securities requires price volatility understanding and disciplined income reinvestment protocals. "Total realized return" (emphasis on the realized) and compound earnings growth are the key elements. All forms of income secuities are liquid when dealt with in Closed End Funds. 

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Please read this disclaimer:
Steve Selengut is registered as an investment advisor representative. His assessments and opinions are purely his own and do not represent the views of any other entity. None of his commentary is or should be considered either investment advice or a solicitation of business. Anyone seeking individualized investment advice should contact a qualified investment adviser. None of the information presented in this article is intended to be or should be construed as an endorsement of any entity or organization. The reader should not assume that any strategies, or investments mentioned are any more than illustrations --- they are never recommendations, and others will most certainly disagree with the thoughts presented in the article.