ONGOING INVESTMENT MANAGEMENT
The underlying principles for sound investing are relatively straightforward. But Wall Street’s conflicting interests as well as your own behavioral traps can distract you from the essentials. Individuals (often assisted by the financial media) can inflict far more damage to their portfolios than the market can. We want to help you adopt the behaviors of a successful investor.
We design and manage investment portfolios with the primary focus being on; achieving your specific goals within your time horizon, your tax situation, and your risk tolerance. We focus on a long-term view of the markets and do not engage in market timing, stock market speculation, or pursuing the latest hot trend or product based on Wall Street buzz. We are not stock brokers and don’t claim to provide value by selecting individual stocks in order to ‘beat the market’. Our approach is research based and we follow policy and approaches that have been proven to work over time and avoid strategies that have no substantiated proof of working.
- Implementation of your optimal Asset Allocation
- Unlimited complimentary access to your financial planner who will answer your calls, questions and emails, gladly imparting financial wisdom, bouncing ideas or doing research to help handle any financial situations that come up during the year.
- Coordinating all the paperwork necessary to help you open accounts, create systematic deposit/withdrawals and transfer accounts, directly working on your behalf with the brokerage firm to make sure this process goes smoothly.
- Determining the cost basis of taxable accounts and keeping track of this cost basis moving forward, as well as taxable gains and losses.
- Yearly review and rebalancing of your investment portfolio, if necessary to keep your account in line with your financial plan.
- Maximizing tax loss harvesting opportunities if they should arise.
- Discipline. Good old-fashioned encouragement and reassurance that the plan we worked so hard to put together is on track, despite current fads being blasted by the financial media.
- Cost: 0.75% of assets. We never receive commissions or incentives from any company, enabling us to remain truly independent.
VIDEO:Tuning out the noise
The Difference the Right Financial Advisor Makes
COMMON QUESTIONS WE ANSWER
- Do I have enough money to retire?
- Will I run out of money while in retirement?
- What are topics and other areas that I might not be aware of or that I should know about going into retirement?
- How should my portfolio look going into retirement compared to when I was saving for retirement?
- Which pension option should I take?
- When should I take Social Security?
- Is my money invested correctly?
- Do I need long term care insurance? How much does it cost?
