Martin Becker

About Martin Becker

Marty specializes in helping his clients take control of their finances and reaching their goals without taking unnecessary risk. Being the owner of Atlas Financial Strategies, and an independent producer, he has contracts with multiple companies unlike the average financial planner. Web Site:
Office: 314.422.9485 | Atlas Financial Strategies, Inc.

Rate Of Return Or Payout Percentage.

What matters most? Every day I speak with clients, and one of the hardest things I must convince them of is that it's no longer about chasing the highest interest rates. You see, most of my clients are retired or very near retirement. They are in the so-called "fragile decade," which is the five years [...]

By |2020-01-09T22:15:13+00:00October 25th, 2019|Annuities|

Does Wall Street Math Match Up With Actual Results

I frequently ask clients during our first conversation, “what is the average return of the market?” Usually, without fail, they answer, “7% - 8%.” My next question is, “when has it averaged that return?” Usually, without fail, they answer, “historically,” or something to that nature. My response to this answer is, “do you think it’s [...]

By |2020-01-09T22:30:53+00:00October 4th, 2019|Annuities|

Sequence Of Returns Risk

In 1994, William Bengen published an article in the Journal of Financial Planning. He aimed to present his research from the Monte-Carlo Simulations he created and what an acceptable withdraw rate would be for someone with a retirement horizon of 30 years. Bengen knew that it was dangerous for retirees to assume a withdrawal rate [...]

By |2020-01-09T22:39:22+00:00September 26th, 2019|Retirement Planning|

What Is The Definition Of Conjecture?

Conjecture: the formation or expression of an opinion or theory without sufficient evidence or proof I want you to absorb that definition because “financial conjecture” is a dangerous thing. Not only is it a dangerous thing when you accept financial conjecture from family or friends, but what about when it’s from a nationally recognized “financial [...]

By |2020-01-09T23:35:48+00:00April 24th, 2019|Annuities|

Are You A Fox Or A Hedgehog?

Which animal is smarter?  It all depends. Let me explain: In Isaiah Berlin’s famous essay, he divided the world into hedgehogs and foxes, based upon an ancient Greek parable. “The fox knows many things, but the hedgehog knows one big thing.” The fox is a cunning creature, able to devise a myriad of complex strategies [...]

By |2019-03-10T19:08:06+00:00March 10th, 2019|Annuities|

Know Your Options: Borrowing From Your 401k Plan

Unfortunately, there may be a time when you feel as though you have no other recourse but to tap into your retirement fund. Unforeseen circumstances like the death of a spouse or family member, large medical bills, and similar situations can leave you, and your bank account, feeling drained. In these situations, it might be possible to borrow from your 401k without incurring penalties, but before you decide, keep in mind the following.

By |2019-02-21T14:44:58+00:00January 29th, 2019|401(k) Rollovers|