William DeShurko

Retirement, Investing, Small Business
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“William DeShurko, Chief Investment Officer of Fund Trader Pro, creates the investment strategies and recommendations offered at www.FundTraderPro.com, an online (Robo Advisor) focusing on providing actionable advice for subscribers 401(k) investments. ”
Firm:

Fund Trader Pro, LLC

Job Title:

Chief Investment Officer

Biography:

William 'Bill' DeShurko started in the investment industry in 1987, learning early the financial perils of bear markets during Black Monday (October 1987) when the DOW dropped more than 20% in a single day. That lesson has guided Bill's investment strategy ever since. During the "Tech Wreck"in 2000 - 2001, frustrated by the losses in typical "buy and hold/diversified" portfolios, Bill created the computer based algorithm used  today at www.FundTraderPro.com. The strategy behind the algorithm was tested using data from 1972 - 2005 by Professors Samuel L. Tibbs and Stanley G. Eakins. The results were co-authored with Mr. DeShurko and resulted in the paper, "Using Style Index Momentum to Generate Alpha" that won the Charles H. Dow Award in 2007. The Charles H. Dow Award is the most prestigious annual award given for  the best paper that advances technical analysis in the year. The award is granted by the Market Technicians Association, the home of the Chartered Market Technician® (CMT) Program, the preeminent, global designation for technical analysis.

Other Highlights:

His blog can be found at: www.deshurkoblog.com

 Author of: "The Naked Truth About Your Money" a primer for the Millennial Generation and all new investors to help with  making responsible financial decisions. Available at: https://www.amazon.com/Naked-Truth-About-Your-Money/dp/1592576508/ref=sr_1_1?ie=UTF8&qid=1485467128&sr=8-1&keywords=deshurko

 Contributor to multiple financial news sites including; www.HorsesMouth.com, www.MarketWatch.com. www.Kiplinger.com, www.theStreet.com and more...

 Bill is also a board and finance committee member for Homefull Inc. a non-profit group seeking to end homelessness in Dayton Ohio.

Managing Member and owner of 401 Advisor, LLC a  registered investment advisor, since 2004

Education:

BA. Economics, University of Rochester

Fee Structure:

Fee-Only

CRD Number:

1717919

Disclaimer:

The opinions expressed are those of Bill DeShurko. Past performance is not a guarantee of future success. Consider all risks before investing and it is always advisable to consult with a professional before making investment decisions.

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February 2017
    401(k), Investing, Retirement Plans, Retirement Savings
March 2017
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    Debt, Investing
What should I do with the $10,000,000 I just acquired after selling my company?
67% of people found this answer helpful

Congratulations!

There are many ways to go here, and honestly a lot more information needed to adequately address. But here are some ideas to explore/think about.

First speak to an estate planning attorney about setting up living trust(s) to hold your investments. The "living" part means that all terms and conditions can be changed at anytime...this need not be a lifetime decision. The trust allows you to manage your money "from the grave". That is, create instructions for who and how beneficiaries may access your estate. That's a lot of money to pass on without any guidance or limitations. If you haven't done this already it should be your first step.

Second step: Make allowances to pay your taxes. And don't fall prey to tax avoidance schemes.

I assume your question primarlily is concerned with investments. If you read any of my answers or articles (www.deshurkoblog.com) you can see that I am a big believer in the long term power of dividends from high quality companies. I would start off by determining how much current income you want from your portfolio. Divide that number by 3.5%. That will give you the amount you need to invest in a dividend portfolio, assuming a 3.5% yield to generate that amount of income. If you want a $250,000 income you would need to invest about $7.2 million.

The S&P 500 has grown its dividends in 44 of the last 45 years since 1973. Furthermore, dividends have compounded at an annual growth rate of 6.5% according to Ned Davis Research, Inc. from January 1, 1930 - December 31, 2016. That means that nearly every year you will get a raise averaging over 6% based on history. You will be set for life. If future opportunities arise, large cap companies that pay dividends are very liquid and can be converted to cash quickly should say a new business opportunities presents itself.

Put the remainder in a laddered portfolio of municipal bonds. Generate tax free income. Choose quality and/or insured bonds and you have another safe stream of very liquid income.

This strategy is how Warren Buffet pays a lower tax rate than his secretary. Emulating the most successful investor of all time seems sound to me.

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