Creating you personal wealth is
an enduring accomplishment of discipline and commitment .
The accumulation and distribution of wealth phases
1 & 2 are the American standard of retirement.
There is a critical third phase that
needs to be address. It is wealth transition management .
This phase bridges the accumulation and distribution
phases beginning 15 years prior to retirement and
10 years after retirement. Over this 25-year
period , the investor may transition from
being risk averse to what may be
described as loss averse . The memory
of seniors loosing 60%+ to the tech stock debacle
from 2000 to 2003 is etched in the minds of all Americans.
Will globalization, outsourcing, and international
trade affect you by not being prepared? DeSpenza
Capital Management, LLC offers strategic & tactical
personalized wealth transition management.
build a custom solution around your
needs and create a process by which
you can manage your money for a lifetime.
free to contact us for a free Complimentary
to asses the 360-degree view of your current financial situation.
We look forward to discussing diversification opportunities to
bridge all three phases of wealth management.
This intro page gives you a brief synopsis
of each investment category of service we offer.
of investment money in alternative investments has
increased over 300% since the baby boomer
crash of 2000 – 2001. The non-correlation of
managed futures in a portfolio has shown significant
performance advantages accompanying multiple
diverse investments .
This type of investment offers a potentially huge
advantage in being able to manage, on a tactical
basis, the allocation of risk to
an array of independent investment strategies. During
the Complimentary Consultation DeSpenza
Capital Management, LLC will review historically
how managed futures can help in the allocation of
risk and provide quantitative performance examples.
The risk of loss in futures can
be substantial . Please review the
historical worst-draw down performance
of our commodity trading advisors during
a month, quarter, & year . It
is essential to evaluate historical draw downs to
evaluate your personal tolerance
to negative losses in these types
of investments. Before, an investor embraces the upside
potential of Managed Futures .
The 21st century has begun
with the globalization of investment opportunities around
the world. Forex or currency trading is a $1.9
trillion a day non stop investment opportunity. High
Net Worth Individuals and Corporations are seeing
currency trading as a vehicle to improve Alpha
(performance) and non-correlated trading
DeSpenza Capital Management, LLC is offering professional
regulated services through the N ational F utures A ssociation
with documented trading history. We
provide this service without any bells or whistles
just the facts and understanding of optimal
portfolio diversification .
The risk of loss in forex can
be substantial . Please review the
historical worst-draw down performance of
our forex trading advisors during a month,
quarter, & year . It is essential to
evaluate historical draw downs to evaluate your personal
tolerance to negative losses in
these types of investments. Before, an investor embraces
the upside potential of Managed
The most fundamental and
important investment vehicle and unfortunately the most
overlook. It encompasses the contingency of death for
any family member and the best method for tax
free transfer of wealth .
High Net Worth Individuals and corporate clients
can benefit from whole, universal
life and term life insurance
products. The married couple in their 30's to 50's
can use whole life insurance to collect value ,
but most importantly help with the future financial
transition at the death of their spouse
to pay off mortgage(s) and maintain lifestyle.
Business's can use a life policy to cover a corporate
executive's value whose service can only
be measured in the financial loss to
the company. DeSpenza Capital
Management, LLC reviews the multitude of possibilities Life
Insurance contingencies can offer it
First we do not offer variable
annuities only fixed annuity products to
our clients. DeSpenza Capital Management, LLC understands
its strengths and niche investment categories and variable
annuities and equities are not our focus.
Secondly, seniors over the age of 65 should
understand that new guidelines under the Senior
Citizen Investment Protection Act are in
place for better understanding of annuities.
Unlike managed futures and forex which have undetermined
risk, annuities are completely the opposite. DeSpenza
Capital Management, LLC feels each investor should
have a diverse and complimentary portfolio. Fixed
annuities are a growing and changing product each
year. They offer some advance features which
allows moderate to slightly aggressive gains and extremely
limited risk to principal . Fixed annuities
can be offered with bonus percentages, fixed yearly rates of
returns, and attached to indexes for
monthly or yearly gains. We look forward to reviewing
the wide array of fixed
annuity products available in the market
Disability insurance is one
of the most under insured and difficult
coverage's to obtain. We have joined forces with Peterson
International Underwriters a Lloyd's of London domestic
We offer a wide range of services and products and
the following is only a brief list. Ransom
and Kidnapping , Star cover/Entertainment
Industry, Racecar Driver , Key Man, Venture
Capital insurance just to name a few. These
niche products help us serve both our High Net Worth
Individual and corporate clients with real personal
and business contingencies.
Statistics show the likelihood of being disabled
is 5X the likelihood of
dying . An example is our loan
indemnification product which allows business
owners such as dentist to complete the borrowing transactions
by meeting the contingency of disability or death to
the underwriting bank officer. The dentist can also
cover the salaries of employees and
working operations cost all in one