Investment Advisory

Working Together for Your Goals

Investment Advice, Results-Driven Commitment

A strong working relationship requires clear communication and commitment to a purpose. Here is a clear description of what we help you understand:

Investment Advisory: your wealth is projected so we can quantify sustainable retirement spending. Portfolios are structured to control risk, cost, and minimize taxes so more money stays in your account to compound value.

  • Your portfolio is diversified to protect against risks that most concern you, and target goals-based returns
  • Locate assets to optimize tax deferral; design withdrawal strategies to make your money last in retirement
  • Redeploy underperforming assets (i.e. overpriced variable annuities or insurance products)

Personal Financial Planning: An holistic view of your finances is focused on balancing your saving, investment, current lifestyle, and retirement goals.

  • Transition planning: i.e. business exit, retirement, adapting to unplanned events
  • Age and goal appropriate cash and debt management
  • Risk management: proper levels of insurance and appropriate policies to protect your assets

Business Financial Planning: Assess business value, personal assets, and your spending goals. Identify gaps or contingencies to keep you protected.

  • Ensure key members of your team are aligned with business success
  • Ensure buy-sell agreement is updated and spells out a clear process to value and fund a buyout
  • Realistic, after-tax business equity to gauge if you have a retirement funding gap or surplus

What’s a Fiduciary and Why Does it Matter?

Stated simply: it’s all about the Golden Rule. Treat someone else’s money the way you would want your money treated. Talking best-interest of the client and doing best-interest of the client are very different things which may result in very different outcomes. Good intentions must be accompanied by competent advice.

For a more detailed primer on why a true fiduciary is a good starting point for your money. (see FNAQs: Fiduciary Questions 1-12).

Investment Advice to Help You Find Clarity

Financial planning and investment management should work together to grow and protect your wealth. We commit to help you see the advantage of competent, transparent, independent advice. Our time-tested strategies are vital to help you compound value on your path to financial security. In practical terms:

The Facts
  • Process addresses investment, tax, legal, insurance and estate planning considerations
  • Superior business model and operating philosophy minimizes conflicts
  • Superior service, competent advice, disciplined cost control, consistent care in execution
Your Advantage
  • Advice from all members of your advisory team helps to maximize your protection
  • Manage conflicts to control cost; say good-bye to standard industry boilerplate remedies  
  • Reduce risk, increase efficiency, be confident your decisions are working to secure your future

Related Articles

Portfolio Strategy Review Q3 2021

"I hope I never recover from this."  William Shatner on his journey into space at age 90  Reflation, inflation, or deflation….that was so last quarter. This quarter “stagflation” also began to gain attention. Stagflation evokes fear of the 1970’s when inflation was...

read more
Portfolio Strategy Review Q2 2021

“A nickel isn't worth a dime anymore.”  Yogi Berra  Reflation, inflation, or deflation. How about a libation and we call it good? The range of opinions about the future direction of prices we pay for goods and services leaves us with one concern: Are recent price...

read more