I am currently a retired Aerospace Engineer. I am married with three children and eight grandchildren. I was born in San Francisco, CA in 1949 and moved to Newport News, VA in 1951 where I lived until I went to college. By God's grace, I received a B.S. degree from Virginia Tech (1972), a M.S. degree from Caltech (1973), and a M.A. - Biblical Studies degree from Birmingham Theological Seminary (2013). I worked at Pratt & Whitney (1973-1986) and CFD Research Corporation (1987-2008).
Now in retirement and trying to preserve my life savings, I currently have a strong interest in tactical asset allocation strategies, and have studied them extensively. I have developed a number of tactical strategies involving the periodic trading of ETFs. These strategies have been backtested mainly using ETFreplay software. The goal is to earn 20% annually with no negative years, and to have maximum drawdowns of less than 10%. The strategies include purchasing a limited number of ETFs with the highest growth and lowest volatility, and minimizing risk using moving average methods. There are strategies for equity as well as bond ETFs, and unified strategies that employ a variety of the strategies.