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Nic McLeod, Wealth Preservation Specialist, Interviewed on the Influential Entrepreneurs Podcast Discussing Asset Allocation Design for Retirement

By: Get News

Nic McLeod discusses asset allocation.

Listen to the interview on the Business Innovators Radio Network:

Nicolas J. McLeod accentuates the importance of investing in safer and higher-yield tools in the current high-interest-rate environment. To prepare for potential market downturns, Nicolas suggests individuals should pay attention to the 60% of their investments that are exposed to volatility. He also mentions that major banks such as Morgan Stanley, Blackrock, and Goldman Sachs have started replacing bonds in their 60/40 portfolios with alternative tools that offer safer and higher yields. This strategy is significant as it not only mitigates risk but also smooths out volatility patterns, putting clients on a positive growth trajectory instead of a stagnant or negative one. The effectiveness of these alternative tools is demonstrated by their long-term use by major banks, pensions, endowments, and hospital systems to manage general account money. Overall, Nicolas’s message revolves around the importance of investing in safer and higher yield tools in the current high-interest rate environment to ensure financial stability and growth.

In this episode, Mike Saunders and Nicolas J. McLeod discuss the lengthening distribution phase of retirement due to people living longer and taking better care of themselves. They highlight that individuals are prioritizing their health, mentally, spiritually, and physically, engaging in more exercise and adopting better eating habits, leading to longer lifespans. They emphasize that the distribution phase of retirement is now longer compared to the past.

To address this, Nicolas explains implementing strategies in the asset allocation design to ensure clients do not outlive their money. He mentions his ability to anticipate the Federal Reserve’s interest rate increase six to seven months in advance, allowing him to plan ahead, mitigate risk, smooth out volatility patterns, and put clients on a positive growth trajectory. This approach is crucial in ensuring financial security throughout the extended distribution phase of retirement.

McLeod discusses his belief in taking an educational approach to financial advising, drawing from his own experiences and mistakes in the industry over the past 20 years. He acknowledges making poor choices in his youth and learning from those mistakes. Nicolas McLeod underlines that with age and wisdom comes failure, and it is important to learn from these failures to grow and improve.

Nicolas shared: “We at NJM Wealth Preservation have spent nearly 20 years listening, learning, and crafting a team of individuals with a vast array of experience and professional designations. This has allowed us to focus on our client’s goals, concerns, red flags, and comprehensive planning both fiscally as well as matter of the heart. Receiving our client’s lifetime of hard work and experience that has manifested as their retirement dollars is not something we take lightly! Careful attention to detail is key in this economic environment, swirling with uncertainty, to allow our clients to build their ideal portfolio, control their tax liabilities and provide peace and comfort long term.  We bridge the gap between the Accumulation and Distribution phase planning. We simply take over where most firms lack the knowledge to begin.  Allowing our clients’ portfolios to last as long as they do and into the next generations with confidence.”

About Nic McLeod

Nicolas (Nic) J. McLeod is a man of determination and grit.  No matter if he’s spending time with his wife and kids, creating music, honing his body-building skills, or helping the many families he now calls “friends” find the best ways for them to preserve their wealth and build their retirement savings — he brings a high level of intensity and passion to whatever he’s doing in any given moment.

Nic is a second-generation Wealth Preservation specialist. He grew up watching his dad help families in the community with their financial needs. It impacted him at an early age, and it has now been over forty years since his father first started his practice in 1982. In 2005, Nic decided to launch his firm and now has helped nearly 1000 families spread across the nation who have entrusted him with their financial well-being. Nic’s client base is diverse in both their professional backgrounds & financial needs. No matter who he is working with, his number one job is to protect and preserve their wealth and retirement savings. 

Nic proudly owns a record free of any consumer complaints. This is a direct result of the core values at McLeod Consulting Group. As Nic says, “As fiduciaries, our job is to foster a relationship of trust, both legally and ethically. This is what drives us, so our client’s best interests are always first. But we take it to the next level and make sure that all of the work we do is transparent to both our clients and the financial companies we work with. Many of our clients have become like family, and we could not be more thankful for them. We look forward to inviting you to experience how our team can help you successfully navigate the years leading up to your retirement as well as continue to prosper financially, emotionally, and spiritually throughout your retirement years.”

Nic’s relationship with God and his family is at his core. “My daily goal is to be a humble servant. This is what gives me my moral compass and keeps it all together.” Nic’s cherished soulmate is his lovely wife Shayda. Theirs is a true love story, and they bring the same core values to their marriage that they do to all their work.  Nic and Shayda have two young and wonderful children who are very active in their school and sports — following in their father’s footsteps. While the couple spends weekdays working hard to ensure their clients remain financially secure, weekends are packed with sporting events and other family activities. 

“Giving me all can make me vulnerable. I care deeply about my clients,” Nic says adamantly.

“It goes far beyond just ‘being about the money.’  Money isn’t what makes the world go ‘round. It’s our relationships and our health, and I find when you give everything you got, that vulnerability can leave you exposed — to the good, the bad, and the ugly. But I’ll take it all if it means that together we create success for you.”

Nic can add “gifted athlete” and “seasoned musician,” to his list of accomplishments. He was a highly touted D1 football prospect, but his aspirations were cut short due to a severe foot injury. He was determined to continue being part of the sport’s world becoming a top bodybuilder, consulting for the University of Arkansas strength coaches, but his passion is helping troubled adolescents and underprivileged youth in his community. As a musician, he has successfully recorded LPs, enjoying quick success on local and national radio as well as sold-out shows in the largest and most well-known regional venues.  He studied at the prestigious Musicians Institute in Los Angeles, majoring in Lead Guitar Theory and single-string improv. Music continues to be a major player in his life, as he plays and composes music for his family and personal enjoyment.

Nic’s commitment to making people better and more able at whatever they choose permeates all his work — from volunteering with his community to helping individuals and families secure and preserve their wealth.

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Investment Advisory Services offered by James Jurica CFP® CLU® CHFC® RICP® through Wealth Watch Advisors, an SEC Registered Investment Advisor. Wealth Watch Advisors has no affiliation with the website represented. Wealth Watch Advisors is not responsible for their views and opinions and makes no representations or warranties about the accuracy, reliability, completeness, or timeliness of the content, and does not recommend or endorse any specific information herein. NJM Wealth Preservation Strategies is not affiliated. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed as written or recorded are subject to change at any time without notice and are not intended to be used as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision.

This information is designed to provide general information on the subjects covered. Pursuant to IRS Circular 230, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that NJM Wealth Preservation Strategies and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney for any legal or tax advice.

Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way, to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Wealth Watch Advisors.

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