WEALTH MANAGEMENT SHOULD
START WITH A CONVERSATION
ABOUT YOU
YOUR WEALTH MANAGEMENT PROGRAM IS A SERIOUS ENDEAVOR, one that calls for skill, trust, commitment, responsibility, and performance; but mostly, it requires your financial advisor to be able to understand your goals, needs, financial and investment situation, and your reaction to difficult markets. This is why we start each client’s wealth management program with a conversation.
We know you’ve worked hard to build a legacy and accumulate assets, and we know you want the security of knowing that your advisor can offer objectivity with a proven investment program structure. We provide you with the right choices to help guide you toward your financial goals.
WHAT ARE YOUR GOALS AND NEEDS?
Success (noun)
-1. The accomplishment of an aim or purpose
Every aspect of our wealth management program is built on how we can help you realize your life goals.
WE START WITH YOU
Your Retirement
Children’s Education
Legacy for Your Children
Start a New Business
Care for Your Spouse
Charitable Contributions
NEED TO OVERCOME IMPACT
OF MARKETS & HUMAN NATURE
The Challenge of Investing
YOUR GOALS-BASED PROFESSIONAL TEAM
Few great accomplishments are achieved by only one person. This is why we created a team approach for your wealth management program. Clients like you can benefit from the different perspectives, roles, accountability, and areas of expertise that such a team approach provides. Your team’s overall composition and operation will be unique, based on your specific goals, needs and preferences.
Your team’s composition, activities and interaction are guided by your objectives, goals, communication preferences and investment comfort level. You are like the owner of a baseball team, setting the goals and guidelines, and letting your management and players handle the day-to-day activities.
Your financial advisor assembles and manages your team, based on your goals and objectives. Your advisor is your “go to” person, who oversees your team’s activities. Your advisor is like the general manager of a baseball team, selecting and managing the coach(es) - the portfolio strategist(s).
Your portfolio strategist(s) have day-to-day responsibility for managing your portfolio. They determine the right mix of stocks, bonds and other asset classes, then select investment managers for each type of asset class. Your portfolio strategists are like the coaches on a baseball team.
YOU
YOUR FINANCIAL ADVISOR
MULTIPLE ASSET CLASSES
& MANAGERS FOR YOU
TYPES OF STRATEGISTS AND THEIR ASSET ALLOCATION
Each portfolio strategist firm used in our program has a team of experts who follow a disciplined process to manage our clients’ assets on a day-to-day basis. These are institutional firms, conducting their own extensive and sophisticated research and analysis.
Strategic Asset Allocation
Provides a broad combination of stocks, bonds and other asset classes, with the goal of capturing market
returns over a long period of time. This allocation style is viewed as passive, typically making few asset allocation changes, because of its long-term view.
Tactical Asset Allocation
Provides a combination of stocks, bonds and other asset classes, but is more actively managed than with Strategic Allocation. This is designed to take advantage of short-term market changes. The styles of tactical asset allocation range from conservative to aggressive.
Focused Asset Allocation
Provides a narrower investment focus. Examples: investing only in bonds; investing only in alternative investments.
All investment strategies involve risk, including possible loss of principal invested. There is no assurance that any investment strategy will be successful. Asset allocation and diversification do not ensure a profit or protect against loss in a declining market. Past performance is not a guarantee of future results.
OUR KEY PROGRAM FEATURES FOR YOU
BECAUSE WE ARE INDEPENDENT FINANCIAL ADVISORS, we can choose from a large number of institutional-quality
professional firms, who help us manage your wealth management program. We also have access to highly effective technology and support services, which allow us to focus on you and your goals, needs and preferences.
#1. CAREFULLY SELECTED PORTFOLIO STRATEGISTS
Our program gives you access to institutional-quality portfolio strategists. We will select for you the appropriate strategist(s), based on your goals, needs and investment preferences.
#2. MULTIPLE INVESTMENT MANAGERS & STRATEGIST(S) IN A SINGLE ACCOUNT
We make it easier for you to view and understand how your program is working for you, by having all your investment managers and strategist(s) in a single account - called a Unified Managed Account.
#3. FLEXIBLITY TO RESPOND TO CLIENT AND MARKET CHANGES
Since your goals, needs, financial situation, or investment preferences may change, our program has the flexibility to change your wealth management program so it remains appropriate for you.
#4. COMPETITIVE FEE-ONLY PRICING
Our wealth management program has a competitively priced percentage-of-assets fee structure. This fee structure assures you that your investment objective remains our top priority.
# 5. EASY ACCESS TO ACCOUNT INFORMATION
You will receive full online access to your wealth management account information, plus monthly statements and quarterly performance reports. There’s only one 1099 tax form each year for your account.
#6. AUTOMATIC ACCOUNT CONTINUATION
OUR CLIENT PARTNERING
PROGRAM FOR YOU
How We Understand Your Needs
& Follow Your Progress
I. MUTUAL EVALUATION/ AGREEMENT
Through this meeting, you are gaining greater knowledge of us and how we can help you. And, we are gaining a greater understanding of your needs and if we are a great option for you.
IV. REPORTS & ADJUSTMENTS
We will work together to monitor your wealth management program, through full account access and conversations. Changes will be made only when appropriate for you.
II. DESIGN & IMPLEMENTATION
We design and implement your custom wealth management program, based on your goals, needs, financial situation, and preferences. This is why we start with a conversation.
III. REVIEWS & UPDATES
