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Would You Risk Your Retirement Savings on a Gamble?

Getting ready for retirement? Entrusting your money management to an advisor is just as important, if not more, as how much you actually have in your account.

Our friend, Casey Marx, has some insight into that delicate decision-making process on choosing who handles your retirement savings:


Like to gamble? Save it for the track.

If you’re one of the millions of Americans with an individual IRA, managed brokerage account, mutual fund portfolio, variable annuity, 401k plan, 403b plan, or any other risk-based investment, then you are paying somebody to gamble with your future. 

Make no mistake, the stock market, bond market, commodities market, and anything else that involves the volatility of open market trading, involves the very same risk and gamble—-as a vegas table game.

Most advisors would have you believe that you’re “in this together”. But let’s look at how advisors are incentivized. The average fee-based advisor is charging at least 1% on your total assets under management or AUM. That means that if you have $100,000.00 at risk underneath their management, they are making at a minimum, $1,000.00 annually for “managing” your risk. However, you and I both know that $1,000.00 a year is not enough to live on—-so the advisor’s real goal is to go out and find 200 other folks just like you. That way, the advisor is making a cool 200k a year. Not bad at all.



Actual losses each major US market index has experienced since December 1, 2015. A $250,000 portfolio, having experienced a -9.45% decline, or a $23,850 loss, would need a 10.5% positive gain to break even.


Now let’s say you take a 10% loss to your account value of 100k. You just lost 10 grand. Your advisor’s compensation however, reduced from 1 thousand dollars a year to $900.00 a year. This is not exactly an earth-shattering loss to your advisor, and not exactly proportional to your loss in my humble opinion.

Crown Haven knows of a better way.

We are a firm that believes in firmly grasping what we can control: the risk we take, and the fees we pay.


Average advisors compensation for "managing your risk" based on the last 20 years of market movement, where the average is 3.5% annual growth. Notice how your money goes up and down, but the trend line proves that your advisor's compensation barely changes over a 20-year period.


This is why our President was Featured in Forbes as one of America’s Financial Leaders. It is why we host a radio show on Indiana’s #1 News Network, WIBC.

We believe in our safe money method that guarantees safety, eliminates management fees, allows for safe annual compounding growth, and guarantees income for the rest of your life, preserving your legacy for your family.

Protect and grow your money in any climate. Our clients have never lost a dime, and receive competitive rates of return without ever paying a fee, or ever experiencing loss.

As our clients will tell you, smiles on their faces: “It’s much more fun to gamble on the ponies."



Casey A. Marx

Founder, Crown Haven Wealth Advisors

Host, Smart Money on 93.1 WIBC

Casey Marx, President and founder of Crown Haven Financial advisors, was featured in Forbes as one of America’s Financial Leaders. His safe money method is designed to make your investments recession proof. Casey has helped his clients protect millions of dollars in retirement assets, with not one penny ever being lost due to market downturns.



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