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John Hamel

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Personal Finance, Retirement, Investing
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“With over 20 years of experience in the financial world, John Hamel provides financial planning services and portfolio management to individuals (business owners, retiree’s) and business entities.”
Firm:

Austec Wealth Management, LLC

Job Title:

Managing Member

Biography:

John Hamel is the Managing Member at Austec Wealth Management, LLC in Elizabeth, CO and has over 20 years of experience in the finance industry. John and his team do their best work with business owners or executives  still wearing multiple hats of the company fixing  value gaps that would either prevent the business from selling, prevent a successful family succession or leave millions of dollars on the table at the time of sale.   

Austec WM was founded on the concept that most investors’ investment experience does not follow perfectly a A-Z initial progress plan. Their mission is to coach and create harmonious relationships for their clients with specialists and experts to facilitate solutions to clients’ complex financial situations in the present and for their future financial unpredictability as it develops.

John and his team know planning early increases the probability of the business continuing as a "going concern" as the owner moves beyond the company. Often this is one of the biggest concerns of a family business succession and one of the most complicated.  

Education:

BA, Finance, California State University-San Bernardino

Assets Under Management:

$1 million

Fee Structure:

Fee Based

CRD Number:

4124627

Videos
  • The Financial Soul of Austec WM
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    Financial Planning, Investing, Asset Allocation
Is the Dalio method right for my portfolio structure?
100% of people found this answer helpful

I'm rather surprised that only one other advisor has responded to your question.  So I'll weigh in here with my principle views.   Ray Dalio has certainly done some amazing things during his 40+ career, and it would be difficult to challenge his All Weather Portfolio recommendations.  I see some very great value to his recommendations.  However, one thing I believe Dalio would agree on is that nothing stays static forever and a general allocation strategy can be a great tool if used properly with circumstances.  

It’s my understanding that Dalio believes in cycles of everything that make up the world, and I can agree on many points he makes.  So often I see individuals invest with the idea that the stock/commodity market will be at its peak on the day they need the funds.   It would be the ideal situation to have exactly the dollar amount needed on a date they required. 

But often it's like catching a huge fish early in the day, throwing it back and expecting to catch several more at the end of the day.  Or sometimes you have to spend more days than you thought to catch the big one.  Similarly, the markets do not react the way you want or expect at the time its best for you. 

A few years ago I went Elk hunting with both a deer tag and an elk tag.  Early in the morning of the day before I had to leave, I saw five deer cross, rather close, in front of me.  I had a decision to make.  If I shoot a deer at that moment, then all opportunity for finding an elk would cease to exist as the noise from the rifle would scatter the elk for miles.  So I chose to let the deer go and wait for elk.  I had to return home the next day without an elk. 

So what I’m trying to convey to you is that as you get closer to the required date of 10-12 years, you may likely face some difficult decisions regarding those financial allocations if your funding requirement is lacking. 

Lastly your words “make as much as possible” does give you the ability to expect a negative return at the end of 10-12 years as well.  And your words, “maintaining defensive enough.” does indicate that you wish to prevent total loss on your investment.  To achieve both requirements, normally its recommend you first understand what your investment requirement would be at the end of 10-12 years and then build your risk/reward allocation around that expectation. 

As the old principle states, “the greater the reward the greater the risk of failure.”  The allocation you stated in your question has a historical balance of risk to reward performance.  So ignoring all other factors, if this achieves your goals, then it may be the right investment allocation model for you.  Just understand that any general allocations offered to the public are often generalized for the masses and other investment strategies exist that may perform better for your situation.  As an example, I am pretty sure Dalio does not charge his fees on just that allocation. 

Good luck and keep asking questions!

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    Retirement, Investing, 401(k), ETFs, IRAs
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