https://www.forwardwm.com/home daily 1.0 2024-05-10 https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1558562146867-I03Z9HVM42QTXAFM9S50/problem.jpg Home - Retirement planning has been labeled as the most challenging problem in finance by the industry’s leading thinkers. Working professionals contemplating a pending transition to retirement find themselves in the cockpit, directing their investment portfolios towards life after work, often with little trustworthy guidance. https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1557867067771-QGL8V7AG4WHEHSFSYWDH/fact+3.png Home - Fact #3 § Roughly half of households are likely to face a shortfall in the retirement income they will need https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1557866138868-ZLBADWWNGPNI0JPYLIYG/Fact+1.png Home - Fact #1 Less than 1-in-5 current private sector workers have access to defined benefit pension programs https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1557867446667-MEG3SSR0KM16ZUXV6BPJ/fact+2.png Home - Fact #2 ━ Less than 1-in-5 current private sector workers have access to defined benefit pension programs https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1557857849841-ZMRTCTAFW0GU73FG5VTC/drinking+wine.jpg Home In the era of self-funded retirement, it’s more important to Plan with Purp0se. https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1557870715910-9GTU9QM779CFN55NSQ3S/contact+an+advisor.png Home https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1557868403514-Q8N0S3XBCTE0IZR5JN5H/finance+1.png Home https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1557750366321-OW3BM4YND40F42VFXQ3M/road+-+late+career+stage.jpg Home - Late/Post- Career 60s-70s+ Enjoy a productive life beyond work. https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1557750312369-4LP5BQCFXH0L2HJCCH0D/road+-+early+career+stage.jpg Home - Early/Mid- Career 20s-40s Build a position of financial strength. https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1557750330344-7MMP5Y83KWX5OU6PFJOO/road+-+mid+career+stage.jpg Home - Mid/Late- Career 40s-60s Anticipate a transition from full-time work. https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1562447536939-NSBNG0K5R9U8CWH90ADE/wealth+curve.png Home https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1557748435419-JLW0S2VH9A1R0A8KT91E/blue+background.png Home https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1557753306562-NPSFA8HPLGCOJCNCPG76/light+grey+background+-+split.png Home https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1557753929247-ARIC8CA86ATPY49CMRKE/blue+background.png Home https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1559335805016-648JW18MQAOTYGT0BQAF/Dark+Grey+Background.png Home https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1559620229793-HMH6THM26COVXP3Y2M8D/Camera.jpg Home https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1571796360679-N81KXVLRT8P04BCFUV4Q/Dark+Grey+Background.png Home https://www.forwardwm.com/blog-1 daily 0.75 2020-05-13 https://www.forwardwm.com/blog-1/2019/3/28/pouring-or-drinking monthly 0.5 2019-06-08 https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1553790641976-3UV83H6WCUT6A9P3ARIG/Pouring+or+Drinking.png Blog - Pouring or Drinking? Historical return numbers reported in your 401k investment menu have little to do with how much wealth you would have accumulated over that period, as these returns ignore the impact of systematic contributions or withdrawals. https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1557153744089-IQC9PP47JGIWAFCBBJMZ/business+meeting.jpg Blog - Pouring or Drinking? https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1557152833479-YMQ83QZBY2E8CJ1TU5K2/young+professionals.jpg Blog - Pouring or Drinking? Orersper ibearumqui re voloreribus aut eseces nobitibus adita venditatet am quo quodis eaquia dollate cturisc ipiduciis cusant vel in rem et dolut fugiti dolum quias sedis. https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1557152866150-G7Q9NCIBRBD766J680MR/late+career+professionals.jpg Blog - Pouring or Drinking? https://www.forwardwm.com/blog-1/2019/3/28/the-retirement-marathon monthly 0.5 2019-05-22 https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1558554475226-VAXX3GQAQH0EZG0W6FGA/business+meeting.jpg Blog - The Retirement Marathon https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1553790255616-74WM8X1IQ70UGBE87B1I/Retirement+Marathon.png Blog - The Retirement Marathon In today’s environment of self-directed planning, investors must plan and invest intentionally if they are to achieve their most important financial goals. Here is our recommendation for how to make that happen. https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1558554519175-P87N8VRXXUHLN31UF27Y/late+career+professionals.jpg Blog - The Retirement Marathon https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1558554519217-RTXBBKN4BMW62QW58U21/young+professionals.jpg Blog - The Retirement Marathon https://www.forwardwm.com/blog-1/2019/3/28/2016-to-dare-or-not monthly 0.5 2019-05-22 https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1553790130259-QROBT0T7M7YUQCE0DGVX/To+Dare.png Blog - 2016-To Dare, or Not? As we look to the future as often we do this time of year, investors ask the question of what’s in store for financial markets. https://www.forwardwm.com/blog-1/2019/3/28/pension-thinking monthly 0.5 2019-05-31 https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1553789998791-5C016GQT1V9ERD7L0VDR/image-asset.png Blog - Pension Thinking Pension plans, designed to provide lifetime income upon retirement, are being abandoned or are facing economic challenges. https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1558552815034-ZE8KCF441G2W5H7MOI91/business+meeting.jpg Blog - Pension Thinking https://www.forwardwm.com/blog-1/2019/3/28/the-4070-reality monthly 0.5 2019-05-22 https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1558552503105-0L0RX4HJ3GLITTDPTN6Z/business+meeting.jpg Blog - The 40/70 Reality https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1553789903141-Z4VY4USRO29WD41M49VC/image-asset.png Blog - The 40/70 Reality Thinking and acting wisely with respect to long-term life trade-offs can be very difficult. There are a number of health-related examples that immediately come to mind, such as diet, exercise and sleep. https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1558552668491-UP849IUWFK9BTJEFSFRK/late+career+professionals.jpg Blog - The 40/70 Reality https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1558552668509-RZW48C8EX1VPVGHVEDUE/young+professionals.jpg Blog - The 40/70 Reality https://www.forwardwm.com/blog-1/2019/3/28/ghm90nu1w0o99vuj4yoxnoeqj4e0cs monthly 0.5 2019-05-22 https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1558553262988-SA7MP8OYZGCWQDLYOEPK/late+career+professionals.jpg Blog - The Raw Materials of Retirement Planning https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1558553263048-K9K9WS82LSL54D32SOTL/young+professionals.jpg Blog - The Raw Materials of Retirement Planning https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1558553238686-RZP30S8B6AC90WI6H7QT/business+meeting.jpg Blog - The Raw Materials of Retirement Planning https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1553789717356-WJGSQK000VL53B95DM5K/image-asset.png Blog - The Raw Materials of Retirement Planning Raw materials are the basic inputs in all finished products. Work is the organization of raw materials in the attempt to create something of value, both in tangible manufacturing settings as well as the intangible world of concepts and ideas. https://www.forwardwm.com/blog-1/2019/3/28/first-principles-of-retirement-investing monthly 0.5 2019-05-22 https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1553789619168-KT48QYJXBFWIPFZXT6GI/First+Principles.png Blog - First Principles of Retirement Investing Trying to determine the best mix between stocks and bonds within your retirement portfolio? There are some things you need to know. https://www.forwardwm.com/blog-1/2019/3/18/oap97vko4cszoicybgzfray5mfkfu1 monthly 0.5 2019-05-22 https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1558553552567-8AX1N1X985WP5162TH1C/late+career+professionals.jpg Blog - In Search of Safety https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1558553552614-CL072ZBK7KJTQFQ7GW31/young+professionals.jpg Blog - In Search of Safety https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1558553528496-GQOLLWL4G4VNCZ7QSLH1/business+meeting.jpg Blog - In Search of Safety https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1553788755398-AX1T6AG335R0OQT5939K/Safety.png Blog - In Search of Safety While understanding financial theory is nice, it’s the application of the theory that takes place when money is invested to pay for future retirement spending. https://www.forwardwm.com/about daily 0.75 2025-08-28 https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/e3c492cf-c939-40b7-a03b-f02b0e092229/SM+profile+pic+forwardwm.jpg About - Meet the Leadership STEPHEN MILLER, FOUNDER & FINANCIAL ADVISOR ━ Hometown: Austin, TX Family: Married to Kate; Three kids: Braden, Aubrey and Julia College: Baylor University Professional Certifications: Chartered Financial Analyst (CFA), Certified Financial Planner™ (CFP®) Hobbies: Planning (and doing!) the next family adventure, camping trip or road trip. Evening Jeep rides (doors off). Favorite Books: Unbroken, Lonesome Dove https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1557941283054-GUEXQ39NOY54ILTY1AC6/ingenuity.png About - Ingenuity ━ The pursuit of our client’s goals drives us to be our best and to find new ways to help clients attain their goals. https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1557941131636-YGSOUE0NCHCH8BKNP68S/collaboration.png About - Collaboration ━ We serve our client’s best interests and look to establish a long-term partnership requiring deep collective determination from all parties. https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1559613260960-IY57NTTQBZSFAXX5IJY7/handshake.png About - Integrity ━ We will actively uphold a standard of honesty, prudence and care with our words and actions. https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1557941195548-F8480SBIX9FUGS75MJMW/forward+investing.png About - Stewardship ━ With wealth comes responsibility. We pursue purposeful living on our client’s behalf as well as our own. https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1559620784271-CLZJQIRC5OR7CLXDJVEA/investing.jpg About https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1559997657528-QYBP8RPCJZ8QM4DBZTM5/computer.jpg About - My experience helping investors spans more than 19 years working in the wealth management industry. I spent the first five years of my career with investment brokerage/insurance firms as a young advisor, before growing into roles in planning, research, and portfolio management. https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1560004270279-UM4U8MCDTVSK49SBJJXY/Risk.png About https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1557874517406-KWC6R40C5ADQB3CCRJIT/asset+management.png About https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1557871347234-UZLPHWX5JEM1PM7NDWE3/image-asset.png About https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1557874531422-0VJ40JRASK308SHYC79D/401+K.png About https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1557870715910-9GTU9QM779CFN55NSQ3S/contact+an+advisor.png About https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/ca3067ca-daab-43d5-a743-c6e22989c45a/Bob+FWM+pic+-+Copy+-+Copy.jpg About - Meet the Leadership BOB HOFMANN, OPERATIONS ━ Hometown: Glen Ellyn, IL Family: Married to Kathy; 2 grown children (Allison & Kyle); 5 Grandchildren College: Purdue University Professional Certifications: Qualified Kingdom Advisor (QKA) Hobbies: Tennis, Indy Car Racing, go karting, Purdue Football & Basketball, Christian music, any competitive sport Favorite Books: The Purpose Driven Life, I am Third, The Man in the Mirror, Point Man, The List https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1557433174854-6YZSJXPXMJ2ZV6VBAKRK/blue+background.png About https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1557434016966-4DJGSAYAEIRY8JKT4TVZ/tint+background.png About https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1557510445911-86GVVI7X44655W4WDZEQ/blue+background.png About https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1557944757934-0SSUC9J3B6TYBQFRS1VF/kaying.jpg About https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1557753929247-ARIC8CA86ATPY49CMRKE/blue+background.png About https://www.forwardwm.com/trac daily 0.75 2024-05-10 https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1559614162298-G8PI767645JMC2F8B77E/calendar.png TRAC - [ T ] Timelines & Goals How do you see yourself progressing towards not having to work to cover living expenses and what are ideal and acceptable variations of what that could look like? https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1557940391351-RUGOH50R72AT9RIGVECK/resources.png TRAC - [ R ] Resources What Human (future earnings), Social (relationships, networks and safety nets) and Financial Capital (portfolio assets) do you or will you have at your disposal? https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1559620466549-7RBSNDF4U1HOPQWK52L9/cloud.png TRAC - [ C ] Conditions How is the financial marketplace pricing the key drivers of retirement costs and what are current best estimates of investment returns and risks? https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1559612621355-A7CLML5NJZ815BQQT90H/asset+allocation.png TRAC - [ A ] Asset Allocation What is the appropriate collection of safe and growth investments that best balances your willingness, need, and ability to take risk when funding your goals? https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1557874947364-CT1ZJ1JOHWLX1IUB8M97/target.png TRAC https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1557873683997-6HR6B58FSKLE68OP23JM/image-asset.png TRAC https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1557946765505-I4XPA717S12AO6H7CHBU/home+intro.jpg TRAC - TRAC™ connects client goals, risk constraints, and retirement savings to markets and investing. TRAC™ is a goals-based guidance process – a lens – which measures and maps timelines, resources and a portfolio’s asset allocation against current market conditions and the cost of retirement income. https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1559616165477-JTF3B9INDRUR51G6GLHK/calendar.png TRAC - Is FWM’s TRAC™ retirement service right for you? Schedule a FIT meeting now. https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1557870715910-9GTU9QM779CFN55NSQ3S/contact+an+advisor.png TRAC https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1557434016966-4DJGSAYAEIRY8JKT4TVZ/tint+background.png TRAC https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1557507265852-Y6VHN7SRPK3XW2XN5SX7/blue+background.png TRAC https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1558546947688-4L0OCHR41G44U0FN73GF/Dark+Grey+Background.png TRAC https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1558556937168-8MLWUD1OROP76RHL33ZH/family.jpg TRAC https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1557753929247-ARIC8CA86ATPY49CMRKE/blue+background.png TRAC https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1571796360679-N81KXVLRT8P04BCFUV4Q/Dark+Grey+Background.png TRAC https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1557753929247-ARIC8CA86ATPY49CMRKE/blue+background.png TRAC https://www.forwardwm.com/insights daily 0.75 2019-06-16 https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1558549811552-DXK3QY4RP0WGT3HQ0T9M/computer.jpg Blog - FWM’s Retirement Readiness Curriculum are resources designed to educate current clients and the general investing public to prepare for their financial future. https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1557870715910-9GTU9QM779CFN55NSQ3S/contact+an+advisor.png Blog https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1558544573114-BV21VR2CW8CM2L33YANG/wine.jpg Blog https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1557753929247-ARIC8CA86ATPY49CMRKE/blue+background.png Blog https://www.forwardwm.com/schedule daily 0.75 2019-06-27 https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1558546134241-JP2C8ELXWYQQMN24YWSG/beach.jpg Schedule a Meeting https://www.forwardwm.com/contact daily 0.75 2024-05-10 https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1557942739164-P4X67WD5MP8SBXV8KPKV/form.png Contact https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1557942641727-LYM4EHJY02T5C3PADZ6L/contact.png Contact https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/5cf19c70-45d3-4434-8a73-4e15333c6f7d/6201+Fairview+Road.png Contact https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1557942568634-WKFPMOY8ZO4J20601Y4V/location.png Contact https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1557870715910-9GTU9QM779CFN55NSQ3S/contact+an+advisor.png Contact https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1558546161031-OIR007CHLP4GEME6ENO9/garden.jpg Contact https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1557753929247-ARIC8CA86ATPY49CMRKE/blue+background.png Contact https://www.forwardwm.com/new-gallery daily 0.75 2025-05-09 https://images.squarespace-cdn.com/content/v1/56098193e4b08650938b4d7b/1532270564524-GUN9AMWKT65P928CA3T4/51_HBL_Pickles_v1-276.jpg New Gallery https://images.squarespace-cdn.com/content/v1/56098193e4b08650938b4d7b/1532270564524-GUN9AMWKT65P928CA3T4/51_HBL_Pickles_v1-276.jpg New Gallery https://www.forwardwm.com/disclosures daily 0.75 2019-05-13 https://www.forwardwm.com/home-header-1 daily 0.75 2020-01-04 https://images.squarespace-cdn.com/content/v1/5c7fda0001232c9cd11d1d92/1559620229793-HMH6THM26COVXP3Y2M8D/Camera.jpg Copy of Home - Header https://www.forwardwm.com/new-page daily 0.75 2020-01-11 https://www.forwardwm.com/new-page-1 daily 0.75 2020-01-11