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R. Bernard Clay

Series 63, 65
Personal Finance, Retirement, Investing
“R. Bernard Clay is an accomplished Money Manager and Market Technician.”

Clay Capital Management LLC.

Job Title:

Money Manager and Market Technician


R. Bernard Clay has been in the Financial Services Industry since 1978. Along the way, he has worked both as a Stock Broker and Investment Advisor with his series 6, 7, and 63 licenses.

Although Bernard enjoyed working with his clients, educating the public is his real passion; teaching others how the stock market works, how to make wise decisions with their retirement and investment monies, and even how to trade stocks. He found the typical role of “broker/salesman” tied his hands in this regard. With that in mind, Bernard sold his successful brokerage business in 2008 and in the same year founded Clay Capital Management, LLC, a Registered Investment Advisor with the State of Colorado. Bernard has his Series 63 and 65 licenses with the State of Colorado.

Bernard is currently one of only a handful of professionals in Colorado who have received certification from National Social Security Advisors which is dedicated to the training, certification, and continued education of advisors seeking to assist retirees through the complex maze of Social Security.

He is also currently enrolled in the Market Technicians Association Chartered Market Technician (CMT) program and was featured in the March 2014 edition of their magazine “Technically Speaking".

Fee Structure:


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    Investing, Stocks
Do you recommend the Nasdaq 100, S&P 500, or a 50/50 allocation?
94% of people found this answer helpful

The S&P 500 Index is more similar to the assets that the typical 401k account and retirement account would generally contain. An investor could do quite well in investing alone in the S&P 500 Index, provided he or she knows when to be on defense when the market takes a downturn into a bear market like 2000-2002 and 2007-2008.  The Nasdaq 100 is made up of the largest non-financial stocks on the Nasdaq and is heavily weighted in Technology stocks. The stocks underlying the Nasdaq 100 would make this index more concentrated with much higher risk. Unless you have an advisor who uses a tactical approach and is a craftsman in technical analysis it would be challenging to say the least. I would recommend that a typical allocation for someone who has 20 years or more for retirement would look like this. 80% S&P 500 Index and 20% Nasdaq 100 Index. If you have at least 10 years before you retire, I would lower the Nasdaq 100 Index to 10% and the S&P 500 Index to 90%. I believe it would be good to have both Indexes in your portfolio. My main concern would be if you have less than 5 years before you retire, then I would stay away from the Nasdaq 100. Have a good retirement!

January 2016
What signs show that an investor is successful after a year of being in the field?
82% of people found this answer helpful
February 2016
Can a Golden Cross reverse?
78% of people found this answer helpful
May 2016
    Personal Finance
Should I keep our money in savings or pay off our car?
75% of people found this answer helpful
June 2016
    Career / Compensation, Choosing an Advisor
Does the sponsor for my series 6 exam have to be the company that I work for?
75% of people found this answer helpful
May 2016