OUR 4-step process
Execution is 99% of a successful strategy
Two of the most important factors for a
successful financial plan:
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A long-term approach to investing
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Controlling the taxes and fees you pay
We take into account your complete financial picture including where you are now, where you want to be in the future and how you are going to get there.
This approach allows us to constantly keep the
focus on your long-term goals.
THE RESULT
The most valuable aspect of investment planning is not about money
Any well-built house begins with a solid foundation. Which means that we want to ensure there are no "cracks in your foundation" before we get started. Then, we will move onto designing each room so that your house becomes a home.
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Our approach is simple, we start by
asking what your goals are.
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advise
we review your current assets and allocations…
You may have many types of accounts that all hold different investments, but managing your investments does not have to be complicated.
We look at your assets from a holistic viewpoint and with your financial goals in mind, break them down and explain what you are currently holding.
…then we identify areas for improvement
Through good old-fashioned listening (and a bit of high-tech), we get a better understanding of you — your risk tolerance, your investment goals, and your life aspirations.
Based on this understanding, we assess the good, bad, and ugly of your current assets and allocations and identify areas where improvements can be made.
Our process is based on the understanding that when it comes to asset allocation, diversification is your greatest ally.
and then recommend a portfolio and a plan
We create an investment portfolio designed to ensure that you reach your financial goals while minimizing uncertainty and stress.
plan
we do the heavy lifting…
after a little help from you
What's your baseline?
We take a look at your current financial situation. What does your lifestyle look like today, how and where do you spend your money and what, if anything, have you done to save for the future. We will discuss what you're doing right and what you could be doing better.
Your financial life is more than just investments in your plan. We help with all things money. We put it all together, but we just require some "get together time" with you.
create, follow and adjust as we go
The retirement plan acts as your lifelong roadmap and is going to give you the best shot at getting to where you want to go.
With a structured plan to provide the necessary framework, everything else falls neatly into place, including understanding where you are today, where you want to be and how are you going to get there
grow
we monitor your plan every step of the way
While you sit back and relax, your plan is being closely monitored as we track your investments on a regular basis.
Studies show that asset allocation comprises 90% of the difference in returns between investors.
we rebalance your portfolio
So what happens if your asset allocation deviates from your original plan?
We rebalance - it's a simple, yet essential, process in which the investments in your portfolio are reviewed.
This “tune-up” ensures that your current asset allocations are always in sync with your original plan – making sure we stay on track.
we keep you in the loop
We keep you informed of the progress of your portfolio through periodic check-ins. We will notify you if any changes should be made and provide you with details on your investments growth, and probably ask you what is going on in your life.
…and provide you with an annual
“big picture” checkup
Once a year, we will have a live meeting to discuss the “big picture” of your wealth plan.
We will talk less about your money and more about your life. Has your situation changed? Has your time horizon shifted? Has your retirement view changed?
Because ultimately our relationship with you is not just about money, it’s about helping you achieve your finance goals.
relax
now sit back, relax...
You simply need to let the markets do what they do.
You don’t need to check your statement every month (you can, of course, if you want) and move your money around based on how the market is behaving.
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and watch your investments grow
We focus on the things we can control: choosing the right asst mix, managing risk, minimizing fees and taxes, encouraging savings while sticking to a disciplined plan.
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Since the evidence is clear that most advisors cannot add value with stock picking or market timing, we focus on personal service, planning, tax strategies and disciplined wealth management.
