Author: Gary Korolev, CFA

Gary Korolev has used his 15 years of experience as a Wealth Manager with firms such as Morgan Stanley, Merrill Lynch and Charles Schwab to build a comprehensive Wealth Advisory practice centered around meeting clients’ Investment Management, Risk Management, Estate Planning and Retirement Planning needs. His practice focuses on High Net Worth individuals, families and business owners with financial needs far beyond investment management. He has a Bachelor’s Degree in Finance from the University of Florida, is a Chartered Financial Analyst and holds the General Securities (Series 7), Securities Licensing (Series 66), as well the Life, Health and Variable Annuity licenses.

How We Reduce Portfolio Risk When Markets Fall: Our Process

How we manage risk in a market downturn: guardrails, rebalancing rules, quality, short-term Treasuries, tax-loss harvesting and the mistakes we avoid.

Physicians Insurance: 8 Costly Mistakes Doctors Can Avoid

Common insurance mistakes physicians make: own-occupation disability, life coverage, malpractice tails, umbrella liability and practice buy-sell funding.

Annuities for Retirement Income: Types, Costs, Taxes and Trade-offs

Compare SPIAs, MYGAs, fixed indexed, RILAs and variable annuities: what each is for, fees, surrender charges, taxes, the 2026 QLAC limit and when to skip one.

Retirement Income When Rates Are Rising: A Practical Guide

How bond ladders, TIPS, I bonds, CDs, MYGAs and dividend stocks work when rates rise, plus inflation, withdrawals and debt decisions for retirees.

Bear Market Portfolio Protection: 8 Tools and Their Trade-Offs

How diversification, Treasuries, buffered ETFs, managed futures, gold, options and indexed annuities may limit drawdowns, and what each costs.

Retirement Income in a Bear Market: How to Keep Paychecks Steady

How retirees can manage sequence-of-returns risk in a bear market with cash buckets, flexible withdrawals, income floors and disciplined rebalancing.

Scrap to Cash – Why Not?

You can explain enterprise to a child, or you can hand them a wrench and let them discover that an old grill is worth money. In this short film, Gary Korolev describes the lesson he teaches his own children — one that costs nothing, takes an afternoon, and leaves behind an instinct that a lecture […]

How We Are Investing During The Crisis

A central bank rarely announces the price it is willing to pay. This one did — and the announcement is more useful than any forecast. What follows is an expanded look at the conditions Gary Korolev discussed in his recent commentary: what the Federal Reserve has committed to, which indicators lead and which merely confirm, […]