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    We help our clients navigate down the mountain.

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    Don't let this be the way you choose your investments.

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    Plan Smart Retire Smart

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The PERFECT investment.

Have you ever wondered what the “perfect” investment would be?

From time to time we’re asked “what’s the perfect investment?”

The trouble is that there isn’t ONE perfect investment.

EVERY investment has imperfections.

Anybody who tells you otherwise isn’t telling the truth.

If it did exist, what would the perfect investment look like?

  • Safe. The perfect investment would never go down in value, right?
  • Unlimited growth. The perfect investment would grow like crazy, right?
  • Liquid. The perfect investment would always be liquid and available to us, right?

Unfortunately, no such investment exists.

If we want to minimize risk, we have to give up some growth.

If we want liquidity, we may need to give up growth potential or increase risk.

We work with investments of all types.

Some of them provide growth potential, some minimize risk, and some provide liquidity.

The key to financial planning is to combine them in such a way that they create the right features at the right times to help meet YOUR individual goals.

There’s no such thing as a perfect investment; we strive to create the perfect mix of strategies for your situation.

We do that by carefully considering  a number of investment options, including:

  • Mutual Funds
  • Exchange Traded Funds
  • Stocks
  • Bonds
  • Immediate Annuities
  • Fixed Annuities
  • Indexed Annuities
  • Variable Annuities
  • Money Markets
  • Certificates of Deposit
  • Real Estate Investment Trusts
  • Unit Investment Trusts

Remember: EVERY investment has imperfections.

If somebody tells you otherwise, click on the “Contact Us” section of our website.

We welcome the opportunity to sit down with you to discuss your situation individually.

Artie Bernaducci is an investment advisor representative of, and securities and advisory services are offered through, USA Financial Securities Corp., Member FINRA/SIPC. www.finra.org A Registered Investment Adviser located at 6020 E. Fulton St., Ada, MI 49301. Retirement Income Advisors, LLC is not affiliated with USA Financial Securities.


Artie Bernaducci is authorized to transact securities related business and investment advisory services only in states where he is properly registered. For investment products and services these states include: (Artie: NC, NJ, NY) For investment advisory services these states include:(Artie: NC, NJ) Additionally, clients who are not residents of these states cannot be serviced. This website is not intended to provide investment, legal, or tax advice, nor to effect securities transactions or to render personal advice for compensation. 

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