Investment Philosophy
Rethink Your Investment Approach
In our intensely connected world, where information, trade, and alliances seamlessly intertwine, global events like war, climate disasters, and economic shifts can swiftly disrupt tranquility everywhere.
We’ve concluded that the traditional Buy and Hold strategy is no longer viable. The severe downturns inherent to this approach often exceed what most investors are willing to endure. For instance, during the onset of the Covid-19 pandemic in 2020, the S&P 500 plummeted by over 30%.
We believe this strategy was more effective in an era when global interdependencies were less pronounced, as asset classes now have more correlation than what they used to have.
Rethink Your Investment Approach
In our intensely connected world, where information, trade, and alliances seamlessly intertwine, global events like war, climate disasters, and economic shifts can swiftly disrupt tranquility everywhere.
We’ve concluded that the traditional Buy and Hold strategy is no longer viable. The severe downturns inherent to this approach often exceed what most investors are willing to endure. For instance, during the onset of the Covid-19 pandemic in 2020, the S&P 500 plummeted by over 30%.
We believe this strategy was more effective in an era when global interdependencies were less pronounced, as asset classes now have more correlation than what they used to have.
Strategic Retirement Planning for a Secure Future
Your Plan, Built on Clarity and Confidence
We believe retirement planning requires a modern, active strategy that acknowledges the shortcomings of traditional systems.
The Problem with Traditional Plans
Traditional pension plans are becoming scarce, and many have proven unreliable. We've seen structural flaws and chronic underfunding cause plans to fail their commitments. Airline employees faced sudden pension reductions, and even the City of San Diego was sanctioned for hiding pension problems from investors. Additionally, these plans often offer limited beneficiary options that can leave surviving spouses with nothing.
The Shortcomings of the 401(k)
The 401(k) has become a primary savings vehicle despite being designed only to supplement pensions. This creates two problems: it's primarily an accumulation tool that doesn't translate to reliable retirement income, and it typically offers limited, expensive mutual fund options that can hinder growth.
Our Methodology: Active and Personalized
We use a disciplined, research-driven process that identifies strong sectors, evaluates analyst opinions, and compares investment options like bonds versus bond funds. We prefer low-cost ETFs and individual stocks over expensive mutual funds, tailoring our approach to each household's unique requirements.
Challenges With Traditional Pensions
Traditional pensions are becoming less dependable due to widespread underfunding and structural issues. Many workers have experienced reduced benefits through no fault of their own.
Mismanagement
Unfunded Liabilities
Inconsistent Payouts
Frozen Benefits
Poor Transparency
Employee Control
During the 2008 financial crisis, Wall Street faced significant turmoil. However, insurance companies with robust credit ratings—specializing in fixed life insurance and annuities, remained relatively unscathed.
The instability was starkly illustrated by a series of unforeseen events:
Bank of America's acquisition of Merrill Lynch
JPMorgan Chase's absorption of Bear Stearns
Barclays' acquisition of Lehman Brothers’ North American operations
Connect With Hafnia Financial
We’re here to answer your questions and guide you through every step of the process.
Contact Details:
Important Disclosure: Hafnia Financial, Inc. is a California registered investment adviser located in San Diego, California. Registration does not imply a certain level of skill or training. Hafnia Financial, Inc. only transacts business in states where it is properly registered or exempt from registration. This website is for general informational purposes only and does not constitute personalized investment, legal, or tax advice, or an offer to sell or a solicitation of an offer to buy any securities or insurance product in any jurisdiction where such offer, solicitation, purchase, or sale would be unlawful. Insurance products, including fixed indexed annuities, are offered separately through Jan Gleisner in his separate capacity as a licensed insurance agent (CA Lic. #0D77385; AL 3004063397; AZ #7458868; MI #1344582; MO #413192; NC #7458868; NV # 984996; OR #7458868; VA #1481204), and are not offered through Hafnia Financial, Inc. Fixed indexed annuities are not securities and are not insured by the FDIC or any federal government agency. Guarantees are backed solely by the claims-paying ability of the issuing insurance company. Form ADV Part 2A is available upon request and through the Investment Adviser Public Disclosure website.”