Medical Affiliation - Roy Innella - Financial Coach

Area Financial Advisor Receives National Health Care Recognition

Roy J. Innella of The Wealth Advocate Investment Group recognized for excellence in service to area medical professionals

Malvern, PA (February 16, 2012) – According to the Bureau of Labor Statistics, there are approximately 700,000 physicians in the United States who work in excess of 60 hours per week.  While their earning potential is the highest among any profession in the US, a blizzard of government regulations and a host of clinical and economic issues leave little time for a doctor to manage their professional and personal lives.

In response, an elite group of professionals is emerging as specialists to the medical community.  In recognition of his work with area health care executives and physicians, Roy J. Innella of The Wealth Advocate Investment Group has been named an MD Preferred Financial Advisor.  Each year, US Medical Specialties, Inc., a national medical consulting firm, recognizes excellence in service to the medical community in a number of disciplines including real estate, mortgage lending, insurance, accounting, banking, financial and legal services.  The goals of the MD Preferred Program for financial advisors include identifying, acknowledging and promoting professionals who provide service excellence to the medical community. 

The program provides physicians with an online resource center where they can find profiles of “doctor friendly” professionals who are committed to providing a quality service experience.  “Doctors are very busy professionals,” observed Michael O’Malley, Project Manager of MD Preferred Services.  “When it comes to finding a service professional that specializes in serving physicians, they appreciate an organization that has done the research for them and has pulled a team together to make their lives easier.”

Every MD Preferred financial advisor is selected for their commitment to serving the healthcare industry.  They often work in close concert with other community based MD Preferred professionals helping area medical providers attract and retain talented physicians.     

MD Preferred community teams are uniquely qualified to act as recruiting partners to area practice managers and hospital administrators.  As partners they can tell the community story while the medical recruiter tells the clinical story.  Their knowledge of the area and understanding of the special needs of physicians and their families saves everyone time and resources.     

“We are proud of the recognition we have received.  In an environment of critical physician shortage, we understand that most physicians considering a career in our community will make their decision based primarily on life style issues,” Mr. Innella observed.  “The last thing we want to have happen is for that prospective physician to go elsewhere because the local support services he or she needed were either not available, were unreliable or did not meet the expectations of the physician. We are always ready to meet with area physician groups to demonstrate how a comprehensive financial plan can help physicians chart a course through today’s complex tax landscape, provide for their children’s education and assure a comfortable and secure retirement.”

ABOUT ROY J. INNELLA

Roy’s 30 years of business experience ranges from running and owning a 45 employee printing firm to working in the corporate world as vice-president of sales of large printing desired a career change which brought him to the financial industry with experience in both insurance and investments. Roy’s practical and formal education from both experience in the business environment, hard knocks from the pressures from owning a small business and now recently for the past 14 years as a sole practitioner have given him the knowledge to coach

and help others with their financial and life goals. Roy’s website is www.yourwealthadvocate.com

About MD Preferred physician Services

Each year the MD Preferred designation recognizes a diverse group of ‘doctor friendly’ professional service providers.  MD Preferred providers can be found at an online resource center, www.MDPreferredServices.com.  Access is available at no cost to the medical community.  MD Preferred also manages one of the industry’s largest medical job boards, publishes a daily medical blog and distributes a monthly E-Newsletter to every residency and fellowship program in the country.  For additional information contact Mike O’Malley at 800-260-8366.

The Market Has Been Unpredictable Lately

What is the favorite investment of the month?

The markets have been quite unpredictable lately, how do we protect our investments from becoming a subject of downward volatility(losses)? What mechanisms do we have in place to protect that portion of our assets that needs to be protected? A colleague of mine has developed a system that helps clients understand what should be done with their assets and how to categorize them according to their risk tolerance. I use his system to help my clients as well.

The ABC's of investing

The way I explain it to my clients is to use a simple method on a white board or yellow pad. This method makes it very obvious how my client feels about his/her money and is a natural way to view their own investment strategy. We talk about three categories of money and how the client feels about each one and look at how their money is currently allocated. Then we look at how we can reallocate their funds to make them feel comfortable and get the most out of the reallocation. There is a little more to the process  than I just described but basically it is simple and understandable.

Why Do I Use This Process?

First, If I handed the client a 50 or 60 page "Financial Plan"they would probably cringe at the thought of reading it all the way through. Secondly I use the ABC process to show them that they now have a firm grasp on allocations and know why they are investing in each category or allocation.

Confusion is the technique used by many stock brokers to enamor clients into thinking that the broker is smart and can predict the future of market movements. In reality no one can predict the markets because it has been proven by credible academics (Harry Markowitz, Eugenr Fama and others)who have over 100 years of historic data.

I am only scratching the surface of the ABC method here but if you would like to see how this will work for you, give me a call for a real demonstration.  Call me at 610-695-8748 or click here to contact me.

Friday Folio from Redhawk Wealth Advisors

Friday Folio

Below is a regular Friday email that we publish for those who are tracking our investment portfolios and want to know the "Signals" that are influencing investment decisions. Equity Market Outlook from Bob Doll of Blackrock “Three months ago, stocks were pricing in about a 50% chance of a US recession and it looked increasingly likely that the European debt crisis would escalate into an Armageddon scenario. Today, while we would hardly say that the United States is poised to enter boom conditions or that the eurozone crisis has been solved, these risks have clearly receded, which has helped stocks to regain some footing. Our base case outlook is that these improving trends will continue along an uneven path, suggesting that stocks are poised for additional outperformance in the months ahead. As was the case for the latter half of 2011, the key wildcard for global stocks remains the extent to which progress can be made in terms of resolving the European debt crisis. Over the closing months of last year, there did appear to be a change in tone among Europe's policymakers and elected officials as they moved from a sort of complacency into taking more forceful action. The difficult decisions that need to be made combined with a contentious political backdrop in Europe do mean that progress will be slow and uneven, but we do expect it will continue. Over the near term, we expect volatility levels will remain high given that we will likely see a "two steps forward, one step back" theme in both the eurozone debt crisis and in US economic growth. Nevertheless, we also expect that conditions should improve enough that investors will be willing to move back into risk assets. That trend, combined with attractive valuations and still-decent earnings growth, should set the stage for equity market outperformance. Equity Views Our main investing theme as we enter 2012 is a focus on free cash flow generation, particularly those companies that have the cash flow needed to increase their dividends. These types of companies can be found across capitalizations, styles and sectors. From a geographic perspective, we continue to believe that the United States is better positioned than other developed markets. Regarding emerging markets, we may see a turnaround at some point in 2012, but we believe it is too early to make that call.” For a personal evaluation of your porfolio visit my investment website:  You can plug in you own parameters for investing and get daily updates.

Surging Ahead in 2012

What's New for 2012

As the last quarter of 2011 approached I tried to think of how I could do what I like, as well as serve others going forward in my financial practice. I did some research looking for services that could reinforce the trusted advisor relationship that I worked so hard to relate to my clients and build with new ones. With the help of some peer group advisors with whom I am associated, we came up with a three legged approach for 2012. Below are summaries of the three additional services I am working on going forward in my financial practice.

First I would like to announce the official launch of "American ID Theft Protection LLC." In researching the most needed protection for people in the information era we are living is Identity Theft. It was even higher than illegal drug crimes! This especially applies to companies and their employees. Last year their were over 12 million victims of identity theft.

Business owners have no idea of their exposure and liability when it comes to identity theft of their businesses and that of their clients and their employees. It takes the average victim of ID theft over 5000 hours to correct a problem like this. A group of fellow financial advisors in other areas of the country and myself have put together a plan to be used by businesses and individuals in order to protect themselves with  confidence that their identity will not be compromised.  This process is being used by another advisor in the Chicago area with 100% success in protecting his clients assets and personal records.

I will soon be launching a separate website for American ID Theft Protection LLC at americanidtheftprotection.com. There will be a wealth of information about why you should protect yourself in a preventative mode as opposed to trying to fix things after you have been compromised. Our new phone number is 610-743-8308 and email address is roy@AmericanIDTheft.com.

Secondly, if you have a business with employees and you occasionally need some cash infusion into your business without the headache of going to your bank, I can help your company. We did a small poll of businesses around the country and found that most of them were using their own valuable resources to fund human resource processes and payroll. Now you may say; "Why shouldn't a company fund their own payroll"?  Well if you don't have to why should you if you could use those funds to get discounts from suppliers or use the cash for things to improve your company cash flow. I am just beginning this venture and have gotten a great response from business owners to whom I have spoken. There are a basket of invaluable HR services that come along with this as well. If you would like to know more on how the venture can help your company give me a call at 610-695-8748.

As a third leg to my new services stool, I am servicing federal employees with their benefits and working with them to plan their retirement strategy. I have been federally trained and certified by The Talons Group an endorsed provider of federal retirement benefit planning by many of the federal agency organizations. I have been working with postmasters especially since there have been much consternation in that organization. These benefit scenarios can be quite confusing for the faint of heart so if you are a federal employee or know someone who is, you can pass my name along to them and I will be happy to help them. I have more on my website at talonscoach.com.

I am sure that these additional services to my financial practice will be of great benefit to people who want to protect their identity, or fund their business with some fresh cash or to the federal employees who need guidance from the confusion of the federal maze of benefits. I know that 2012 will be a great year for all of us as long as we keep a positive approach to the year ahead.

If you have any questions about Identity Theft and how to preventively help yourself to be protected or any of the topics mentioned above don't hesitate to call me or send me an email.

Have a great and prosperous and healthy new year!

Roy Innella

Am I beyond an investment plan?

Many clients ask me if they are too old or too broke to make a prudent investment plan. Since I coach my clients to do what is best by using a holistic approach my answer is that it is never too late to create a retirement strategy. Advisors have a tendency to over complicate what needs to be done and how it works in order to impress their clients, making them think that the advisor is really smart. I believe the client should understand what they are investing in and believe it will work to fit their needs.

No one can plan a better retirement than the client themselves with the help of a properly trained and properly positioned coach. The definition of coach itself is helping an individual by guiding them through a process. The process of learning how to make your money work for you can make the experience much more rewarding and less stressful. In the world of financial coaches I believe that should go one step further and they should also be an advocate for their clients wealth. The definition of advocate is some one who acts or intercedes on behalf of another. Someone giving support.


In the spirit of giving support my firm practices as an Investment Advisor Representative; someone who has a fiduciary responsibility for the client, putting the client first in all matters. For a short video on this topic you can visit my website to help clarify the difference between what I do and a broker who sells stocks, bonds and mutual funds.

For those who want a different approach to their investing options I use a co-advisor. They have much more knowledge on investing and have been doing it a lot longer than me. For a quick explanation on how they differ from your ordinary third party money manager you can go to my personalized website by clicking here.

Communication is also a key to great coaching and I communicate with all clients on a daily basis. The investor needs support especially when we are going through the ups and downs of the market we've experienced recently.

Are you Correlated?

What is correlation when it comes to investing?

Different asset classes in the market sometimes move in opposite directions called negative correlation. This can protect investors. Well diversified portfolios are allocated so that their asset classes move in a NEGATIVE correlation. Because of the negative correlation portfolios that are properly allocated are not as volatile and will capture gains when markets recover.  The reason is that markets that are down are being hedged by markets that are up. Volatility is not good for a portfolio because it is possible that you could lose ground and not recover from those losses. The strategy is to soften the fluctuations to the overall portfolio by negatively correlating.

It sure isn't comfortable while the markets are fluctuating but historically they will consistently move in a positive direction over a 20 year time period.

Is your portfolio negatively correlated?

There are basic asset classes that all balanced portfolios must have in order to reduce this volatility. Most of my clients are coached to know how this works so that they understand how their portfolios are performing.

If you would like to know how your portfolio is diversified and correlated we have some sophisticated software that we can plug your portfolio list into that will give us a report on your investments. Give me a call if you are interested in evaluating yours, a second opinion never hurts. My office number is 610-695-8748 or email me at roy@yourwealthadvocate.com.

How do we plan or live through our retirement when the market goes volatile?

Creating Sanity from Chaos

Taking a holistic view from 25000 feet up on our lives is the mantra to follow if you want to remain in a sane state throughout your retirement and pre-retirement years. We mustn't worry about outside influences that don't affect our reality in these matters. Like watching CNBC everyday and seeing all of the buzz in the markets, whether up or down in the long haul it probably won't affect us.

One way to protect our nest egg from direct market exposure would be to use methods of investment that pay us no matter what the market does, even if it is a lower return it can be better in the long run. We often forget that not losing money when the markets drop can be a considerable help when we are in the mode of drawing down on the portfolio. I often show clients the math of average returns that will prove that just because an investment boasts a 25% average return the net result could be zero gain. It is often an eye opening experience for the client.

A vehicle that is regaining popularity is permanent life insurance. It provides consistent positive returns into your account while protecting your family from unforeseen circumstances. You can borrow from yourself instead of from the bank and add to your own wealth. This concept has been around for many years and used by the wealthy to provide a guarantee in order to transfer wealth to future generations while being able to access the money for lifetime use. Because of the gained popularity insurance providers have introduced new products which enhance the returns by taking advantage of a limited upside of the market while still protecting them from the downside.

In our office we use these vehicles on a regular basis with clients who aren't interested in market exposure yet need inflation protection and the ability to borrow from their own nest egg. If you want to learn more contact me at 610-695-8748 or email me at roy@yourwealthadvocate.com.

Alternative Market Options

Some of my clients who wish to utilize the market but want some downside protection have asked me to research the market for a money manager who has this philosophy. Well I am proud to say that I have found exactly such a manager. This company researches the market globally 24 hours a day 7 days a week and from this research receives a signal for each of the asset types and sectors and will either invest or go to cash in each segment. This process is quite complex for them however the client can rest assured that they are out of the market during downward trends and back in when the markets are rising. It is not a perfect process however it has a higher success rate that the "buy and hold" strategy that is often used by money managers.

If you are interested in protecting your portfolio we can develop a special customized process for you. Please call me or email me if you want more information or schedule a meeting.