William DeShurko

Retirement, Investing, Small Business
“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. ”

Fund Trader Pro, LLC

Job Title:

Chief Investment Officer


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


BA. Economics, University of Rochester

Fee Structure:


CRD Number:



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
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    401(k), Asset Allocation, Bonds / Fixed Income, IRAs, Stocks
In today's stock and bond environment, should I convert my IRA and 401(k) accounts to a new portfolio as a one-time investment or over one year using dollar-cost averaging?
100% of people found this answer helpful

If you are changing existing stock and bond holdings to new stock and bond holdings, I would first be sure that you are in a fee account, not commission. And even in a fee-based account, you could be paying transaction charges on all those trades. Get an upfront estimate of costs to implement this strategy before moving ahead.

For the cash. Having that much currently in cash implies to me that you are a conservative investor. You are wise to think of using a dollar cost averaging strategy. However, I would suggest implementing over a 5 year period, not just one. A common strategy would be to invest using what is called a bond ladder strategy. Divide the $900k by 5 and invest 1/5 into individual bonds, or my favorite investment for this, ETF's with a defined maturity.  1/5 of your money will mature in each of the next 5 years. When the bonds mature, you can then decide on whether to move 60% into equities and reinvest the 40% into the ladder strategy. Or invest less in the stock market if it seems high, or go "all in" if the market has gone through a major correction and seems low. The proceeds from each matured bond can be put in the market over a 12 month period, as you suggested, to further reduce your risk of mis-timing of the market. This can be a little complicated but your advisor should understand exactly what I mean (he may not agree, but he should understand and be able to explain it to you in more detail)...if not, change advisors. You have a significant amount saved, in my opinion, you should be working with a knowledgeable advisor with significant experience, and ideally on a fee basis.

Congratulations on the excellent job you did of saving!

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What should I do with the $10,000,000 I just acquired after selling my company?
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    Retirement, Investing, Stocks
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