The Financial Defensive Condition (FIN-DEFCON®) strategy attempts to identify economic trends that have preceded past U.S. economic recessions and recoveries, and then use this information to influence asset allocation decisions.


Asset allocation is a term used to describe how investments are distributed among different asset classes, such as fixed income or equities. However, asset allocation cannot guarantee a profit or protect against loss.  Over time, some of the most dramatic declines in portfolio values were experienced during economic recessions.


The goal of the FIN-DEFCON® strategy is to influence Dynamic Asset Allocation changes and improve long-term portfolio performance relative to a Strategic Asset Allocation (Buy and Hold) strategy and the “Optimal Risk Portfolio in the Single-Index Model” formula widely recognized in academic research: 

FIN-DEFCON® employs terminology similar to the United States’ Armed Force's Defensive Readiness Condition (DEFCON) system.  FIN-DEFCON® is a proprietary strategy developed by Gerald Steffes, CPA/PFS, CFP®, AIF®, with Steffes Financial, Ltd, in Overland Park, Kansas. 

Patent pending 17/026,827

See important disclosures under the Disclosures Tab.

You get recessions, you have stock market declines. If you don't understand that's going to happen, then you're not ready, you won't do well in the markets.

                             - Peter Lynch


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