Comprehensive Plan + Ongoing Risk Management + Time = Success!
It can take a team of people to achieve the best possible financial planning and investment goals in many cases. We work collaboratively with our clients and other specialized professional advisors such as tax, accounting, and legal for the best possible outcomes. Also we generally don’t find that complex and illiquid investments are necessary to achieve the client’s financial goals. Our portfolios generally include a mix of domestic and global equities, exchange-traded funds, treasuries, municipal bonds, corporate bonds, real estate investment trusts, and some specialized money managers. In our tactical portfolios, we also use options strategies for managing risk.
Client Focus & Approach
We are focused on providing integrated and comprehensive financial advisory services, tax planning and investment portfolio management for individuals, families, estates, trusts, and non-investment related businesses.
We start our new client engagements with an in-depth discovery and assessment of the client’s investable assets, client’s needs, client’s constraints, and risk tolerance. This assessment can include a conversation with our client’s other financial planners, estate managers, attorneys, tax advisors, and CPA’s. Following the initial discovery and evaluation, we prepare a proposed investment portfolio to be reviewed and accepted by the client.
The actual investments and investment allocation changes are then made based on timing and market conditions.
Comprehensive Financial Planning
We believe that integrated and comprehensive financial and tax planning is an ongoing process and not a one-time event.
With select clients, we work collaboratively to create, maintain, manage, and adjust their comprehensive financial plans over time. Our financial planning process can include all or some of the critical topics of financial planning such as Retirement Planning, Estate Planning, Tax Planning, Education Planning, Risk Management, Debt and Credit Planning as well as Business Planning.
Investment Portfolio Management
Our core expertise and focus are investment portfolio management and investment advice. Upon the initial discovery and assessment of our client’s investment needs, constraints, and risk tolerance, we tailor the clients’ portfolio in one, or the combination of the following investment program’s:
Allocated Portfolio
This portfolio approach optimizes a mid-to-long-term investment goal. The portfolio approach primarily consists of appropriately allocated investments into various money managers, bonds/fixed income, and ETF’s. Our general bias is US weighted, but we do assign internationally as well. Allocations are adjusted and managed based on market and economic conditions as well as client needs.
Tactical Portfolio
This portfolio approach favors an aggressive investor and short-to-midterm investment goals. The portfolio approach is substantially more volatile, and we carefully screen clients for suitability. The plan can also have substantial tax impacts. The portfolio approach primarily consists of actively traded US registered ETF’s (both index and sector), individual stocks, and options. The portfolio approach also takes advantage of leverage (margin). The advisor is actively engaged in managing positions based on the current market and economic trends.
Structured (Defined) Outcome Portfolio
This portfolio approach is well suited for a general investment or savings portfolio—an investor looking to grow their investment at a moderate rate without a long-term investment horizon. The portfolio approach primarily consists of US registered index ETF’s and derivatives, more specifically, options. The portfolio approach also takes advantage of leverage (margin). The advisor is actively engaged in managing positions based on the current market and economic trends.
