ED Gramm specializes in providing investment planning and guidance for those who are seeking a better lifestyle in retirement. Whether you have a retirement nest egg of five million or $50,000, we can help you make sure it works as hard and as smart as you did in earning and saving it. If you're typical, your retirement could last as long as 30 years and you simply cannot afford to make investment mistakes with your retirement money and run the risk of ruining your lifestyle during your leisure years. We have helped literally thousands of individuals and couples, at all economic levels, to enjoy a worry free retirement knowing that their money is safeguarded, plus working hard and smart, and ready for them when needed.

There is no one "best place" to put your retirement money because each individual and couple has unique requirements, different tolerances for risk and need their money at different times. Likewise, there is no one investment or savings place that fits everyone for exactly the same reasons. In order to make sure your money is in the "best place for you", your unique circumstances must be taken in to consideration. This is where we can be of service.

 If you have your retirement money invested in highly liquid places that allow you access immediately, you're paying a dear price for liquidity you don't need. Not all of your retirement money will be needed at the same time; therefore you need to space your investments so they come due when needed yet retain enough flexibility to take care of an emergency should one arise. Far too many people have all their retirement money invested in the "market" and exposed to the risk of principal loss. Certainly some of your money needs to be invested in highly liquid, short-term places and you may be able to afford the risk of some exposure to the whims of the market, but too much either place is generally a bad plan.

We can help you deploy your retirement money properly between the safe places and the risk places, and between the short-term and the longer-term maturities. We can also assist you in making sure you are paying only your fair share of taxes and not one cent more. Additionally, with our help the income from your investments, pension (if you have one) and your Social Security can be perfectly coordinated to assure you of a worry free retirement without fear of running out of money in your lifetime.

We're very hopeful for an opportunity to discuss your retirement plans so you can learn first hand how we can be of benefit. There is no cost or obligation of talking with us by phone or meeting to discuss your circumstances and your retirement plans. If we can't be of service, you will at least have the comfort of knowing that you have consulted with a retirement specialist about the most important financial decisions in your life. It is very important for you to get retirement "right" because there is no second chance. We look forward to working with you soon to help you lower your stress and worry over your retirement years.

Read what some of our current clients have to say about our exceptional service:

"Thank you for your leadership in getting us out of the stock market, thanks to you I am not forced to go back to work like most of my neighbors." 
- Alice Z.

"Well I hate to admit it, you were right. We only made 4% on our IRAs but they didn't go down 35% like our other accounts, so it's kind of like we're up 39%?" 
- Susan D.