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Third Age: The New Frontier
The Third Age can be viewed as a period between the traditional full-time employment career building period and full-time retirement and leisure. As clients live in the Third Age of their lifetimes, they want to be assured that their personal assets will generate the cash flows required for reasonable levels of retirement and leisure living.
John F. Hinrichs, principal of Celtic Capital Corporation, provides investment advisory services for the following Third Age needs.
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Investment Management
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Estate Planning
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Retirement Planning
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Family Financial Planning
The World of the Celts
In early times the Celts strongly advanced their civilizations from Asia Minor westward following the Danube River all the way across Europe to the British Isles and northward to the Scottish Highlands. The "Celtic Bull" symbolizes the strength and diversity characterized by an opportunistic investment portfolio.

"The whole race...is madly fond of war, high-spirited and quick to battle...and on whatever pretext you stir them up, you will have them ready to face danger, even if they have nothing on their side but their own strength and courage." - Strabo, first century BC...
"The Celti who lived about the Adriatic joined Alexander for the sake of establishing friendship and hospitality...the king received them kindly and asked them when drinking what it was that they most feared, thinking they would say himself, but they replied they feared nothing, unless it were that Heaven might fall on them, although indeed they added that they put above everything else the friendship of such a man as he." - Strabo
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"It's hard to beat a man who never gives up."...Babe Ruth
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"A penny saved is two pence clear. A pin a-day is a groat a-year. Save and have." Dr. Benjamin Franklin of Philadelphia in Poor Richard's Almanack...
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"Even if you're on the right track, you'll get run over if you just sit there." Will Rogers, American humorist and cowboy...
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"Towering genius disdains a beaten path." Abraham Lincoln...
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"Be skeptical about every prognostication you are given, including mine. If you have set an intelligent route toward capital accumulation, stay the course--no matter what." John Bogle, the founder of Vanguard mutual funds...
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"One of the greatest pieces of economic wisdom is to know what you do not know."...John Kenneth Galbraith, American economist...
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"Hope is a good thing, and a good thing never dies." Andy to Red in The Shawshank Redemption...
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"Always do right. This will gratify some people, and astonish the rest." Mark Twain...
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"You can observe a lot by watching." Yogi Berra...
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"Winning is not a sometime thing; it's an all-the-time thing. You don't win once in a while, you don't do things right once in a while, you do them right all the time. Winning is a habit. Unfortunately, so is losing." Vince Lombardi, legendary coach of the Green Bay Packers...
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"He that is slow to anger is better than the mighty; and he that ruleth his spirit than he that taketh a city." Proverbs 16:32...
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"Aim at heaven and you get earth thrown in. Aim at earth and you get neither." C. S. Lewis, an author...
