Aegis Financial Advisory is a Portland Oregon and San Francisco Bay Area Fee-Only Fiduciary financial planner specializing in retirement planning for pre-retiree and retiree couples. We are experts in Social Security and retirement income planning and taxation. Speak to us about how we can help you fully enjoy your life in retirement free from the worry of ever running out of money.
Manage the various areas of your financial life that are within your control while making sure all the pieces fit together. Maximize your lifetime Social Security income by making good claiming decisions. Social Security planning is included in our Financial Planning services and also offered as a standalone service.
Manage the various areas of your financial life that are within your control while making sure all the pieces fit together. Maximize your lifetime Social Security income by making good claiming decisions. Social Security planning is included in our Financial Planning services and also offered as a standalone service.
Services
Joseph Alfonso, CFP, ChFC, EA, RICP founded Aegis Financial Advisory and is the principal financial planner for the firm. He received his B.A. in Philosophy from Cornell University. Joe works with pre-retiree couples to help them successfully transition to a life in retirement secure in the knowledge that they will always be able to afford their chosen lifestyle.
We are a comprehensive fee-only financial planning firm. As such, we address all areas of your financial life. This includes each area of financial planning as well as investment management. We believe that each aspect of your financial life impacts all other areas. It is therefore essential to take a comprehensive approach that puts all planning and investment strategy decisions within a global context.
The better we understand what is important to you, the better we can help you structure your finances to achieve your goals. Financial advisors can inadvertently try to impose their own goals on their clients. We've found the best way to avoid doing so is to use a variety of techniques and approaches to help you clarify and communicate your goals and then help you measure your progress toward achieving them.
Academic research suggests that asset class selection is the prime determinant of overall investment behavior. We therefore pursue an asset class-based investment strategy with exposure to high quality US and foreign bonds and domestic and international companies of various sizes.
We maximize diversification by "owning the market" via no-load mutual funds and pursue a "passive" investment strategy that avoids making any market timing or individual stock bets.Owning no-load passive mutual funds also minimizes costs and maximizes tax efficiency given their low turnover.
We maximize diversification by "owning the market" via no-load mutual funds and pursue a "passive" investment strategy that avoids making any market timing or individual stock bets.Owning no-load passive mutual funds also minimizes costs and maximizes tax efficiency given their low turnover.
Prudent investing entails maximizing expected return for the risk incurred. In constructing portfolios we seek to optimize performance by allocating risk to asset classes with higher expected returns while limiting the amount of risk taken in asset classes with lower expected returns. Risk can never be eliminated in an investment portfolio but it can be managed to ensure that the level of risk that is incurred is appropriately rewarded.
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