Investment Management Services
December, 2018: We believe now is a CRITICAL time to make wise choices. The recent volatility is far from over; and if you see this as a concern instead of an opportunity, please call us - especially if you are currently retired or approaching retirement.
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Optimal Route Optimal Speed Optimal Vehicle
HOW TO MEASURE YOUR RISK TOLERANCE:
Performing a basic "Time Value of Money" calculation will identify the Rate Of Return necessary for your investment portfolio to achieve the desired Future Value over your specific Time Horizon.
Here's the key to investment success:
Maintain speed at your Target Rate of Return and ignore other speeding vehicles:
The progress of your investment portfolio should be measured over time by how well it's meeting your Target Rate of Return; not the Dow Jones index, not the bragging neighbor, and not the "smart sounding" pundits on TV.
Grow to your Future Value by avoiding emotional driving:
With your input and your goals in mind, we draft your Investment Policy Statement. Your IPS spells out how investment decisions will be made for your portfolio including return expectations, income requirements, risk tolerances, and time horizons; all tempered with any other criteria important to you as we set out to achieve your financial objectives. This process is ongoing and evolves as your circumstances change.
We know that taxes can be a tremendous drag on a portfolio's total return, and employing strategies to reduce them can produce better net returns without incurring additional risk.
We know many financial products are burdened with ambiguous fees and unnecessary expenses, buried in the fine print of confusing disclaimers. Reducing or eliminating these costs is another effective way to save our clients money.
We also know that emotions often drive or inhibit investment decisions. We believe that not making an investment is just as important as making one, and adhering to the disciplines of a strategy, prudent risk management, and having a written investment policy are essential to fulfilling a client’s long-term objectives.
Large institutions will often scale their operations by generalizing consumers into model portfolios. This may allow them to become large and profitable with minimal effort, but we don't believe it delivers much value.
As truly independent wealth managers, we can evaluate and select investments from anywhere; not just a company menu of choices that favor the shareholders of a financial institution.
And, as true fiduciaries, we can guarantee the impartiality and objectivity of our investment opinions.We know the widest selection of the world's best performing investments is rarely ever found at the local bank or brokerage. As a truly independent firm, we are free to evaluate investments across the globe for the most appropriate components of each client's portfolio.
The blended perspectives, approaches and backgrounds of our collaborative Investment Committee decisively minimizes the shortcomings of any single investment approach or analytical tool. The Investment Committee endeavors to continually distill our best ideas and practices down to implementation strategies, asset classes, and eventually specific investment selections for the benefit of all our clients. Each of our Advisors is then empowered to make the granular decisions given each of their client's unique mix of goals and circumstances.
The process of discovering your asset allocation framework is ultimately intended to maximize the probability of achieving your specific goals; so no single approach to asset allocation is appropriate for everyone. Your mix of taxable vs. tax deferred investments, asset classes, amount of funds and cost basis is different than other investors; your asset allocation strategy should be too.
Strategic Asset Location
Once your portfolio’s asset allocation is determined, we seek to improve its tax-efficiency by optimizing the “asset location”; holding more of the income-producing investments inside of retirement accounts to defer the annual income tax bite, and holding growth-oriented investments in taxable accounts where capital-gains tax rates may be timed and managed. This asset-location strategy also considers taxes upon your future spending and any portfolio transitions. By strategically evaluating the "big picture", we can often add significant value without taking additional risk simply by strategically placing assets where various tax-drags can be reduced.
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