Hi there, my name is Patrick McNally and I’m the founder of Retirement Lifestyles Advisors, an independent registered investment advisory firm located in Northern California.First of all, thank you for taking some time to visit this website, and expressing some interest in working with a financial advisor. Now, whether or not that advisor is me, thank you for reading this short bio.I’ve personally been in financial services for over 22 years now and we serve clients all over the country. Most of our local clients have found me by listening to my live radio show Retirement Lifestyles that I’ve hosted every Saturday morning for over 11 years on on News Talk 105.7fm KQMS. Others around the country found my podcast Retirement Lifestyles on iTunes or on any of the other podcast apps. Or they ordered a copy of my book Retirement Planning 101.My specialty is retirement income planning. In fact, the average age of our clientele is 67. Many of them come to us when they’re less than 5 years away from retiring and they can see that light at the end of the tunnel. They’ve been working at a company that provided a 401k or other similar retirement plan, and after 20, 30 or even 40 years of service, sacrifice and saving, it’s time to retire, rollover that 401k and have some fun! Others have been retired for any number of years, and are concerned about volatile markets, inflation, higher taxes and rising healthcare costs. I’m often told that their current advisor doesn’t address many of those things, so they’re looking for a different path.Our number one goal is to help our clients achieve Clarity and Peace of Mind in retirement with a little help from smarter investment portfolios. We use investments that are designed first and foremost for income, followed by long term growth. Most of our clients are no longer receiving paychecks from a job, so we show them how to create a paycheck from their investments that’s predictable, safe and increases every year no matter what the market does, in order to keep up with inflation.Unfortunately, most financial advisors today do not use this same type of investing philosophy for their retired clients. Instead, they advise you to sell a percentage of your investments each year through a process known as the 4% rule. Keep in mind that when you sell portions of your portfolio, you have to make that money back year after year. How is that accomplished? By relying on something no one can control, market growth. What happens when the market doesn’t cooperate and instead goes down? Now you’re forced to sell on top of market losses, compounding the problem and making it even more difficult to get back to even.So, as you do your research and review different advisors on this site, ask yourself the following questions, “Am I comfortable relying on a volatile unpredictable stock market to provide me with the income I need throughout retirement?” And “Am I comfortable working with someone who manages my life savings that way?”I’ll have you consider this, if you’re not comfortable with that scenario and want to learn more about we help our clients generate the income they need without selling their principal, I invite you to click that green button over there that says schedule an introduction.Fill out a little bit of information and let’s find a time to chat on the phone and see if there’s a potential fit. There is no fee for the call, and I promise, that by the end of it you’ll know exactly where you currently stand, and you’ll be armed with some amazing tips and strategies on how to make your planning stronger, which will give you the confidence you need moving forward. So go ahead, take that first bold step and click that green button over there and let’s get started!
Patrick Daniel McNally is a Registered Investment Advisor in the State of CA, DBA Retirement Lifestyles Advisory Group. CRD #154642 Ca Insurance License 0C76421Past performance never guarantees future results. Inherent in any individual security, investment product or investment management program is the potential for profits as well as the risk of loss. No one can consistently predict, time, or control market conditions or investment performance. Consult your financial advisor, tax advisor, attorney, and other professional advisors before making any financial decision or taking any investment action. The information and web-site links we provide are strictly a courtesy. All interest rates or portfolio examples are for illustration purposes only. Individual results may vary. Advisory Services offered through Retirement Lifestyles Advisory Group, a CA State registered investment advisor. Securities and Brokerage services provided by TD Ameritrade, Inc., member FINRA/SIPC, a subsidiary of The Charles Schwab Corporation. TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank. © 2022 Charles Schwab & Co., Inc. All rights reserved.