Building Your Investment Strategy
We’ve got a plan.
Your plan, crafted for you, grounded in process, experience and personal responsibility. Strong and disciplined to endure, flexible and caring to respond. Initially and over the years, we’ve designed our process to walk you past uncertainty, onward in confidence.
Discovery & Analysis
What do you want to do with your wealth? We’ll:
- Diagnose your financial circumstances
- Learn about your personal, professional and community interests
- Explore where you stand, so you’re well-positioned to move forward
We’re big on planning! Solid financial planning, comprised of cash flow, insurance, estate, tax and investment plans – fine-tuned to your circumstances, durable to last, flexible to adapt to inevitable change.
A well-structured investment portfolio is the best way we know to convert your dreams to achievements.
Wealth management is achieved and sustained through our ongoing relationship with you, as we integrate your life’s many moving parts into the whole of you and your family’s advanced plans:
Each component is addressed when – and if – it plays an integral role in your life. We help you balance and identify changing needs within your career and creative aspirations, charitable goals, family sharing time, and social and leisure activities. When changes are warranted, we help ensure smooth transitions: for you, or for multiple generations and branches within your family.
For managing your financial portfolio, we offer a prudent approach based on our fiduciary relationship with you as your trusted investment advisor.
Fiduciary duty is generally considered the highest legal duty one party can have to another. As a Registered Investment Advisor firm, we have a legal responsibility to always act in your best interests – and we take that responsibility very seriously.
We apply a passive investment approach, tailoring your portfolio’s level of risk (and its expected returns) according to your personal preferences, goals and circumstances. In addition to seeking broad global diversification according to the tenets of Modern Portfolio Theory, we assist with appropriate asset location between taxable versus tax-advantaged accounts.
We apply these techniques for individual investor, retirement plan sponsor and institutional client relationships alike.
Many of your financial goals can span a lifetime, or even generations, so it’s important to prepare for uncertain events that could otherwise derail your overall strategy. Once we’ve defined your long-term objectives, our role also includes identifying potential threats to your success, and implementing protection against them.
Our approach to wealth protection is thoughtful, deliberate and highly individualized. Planning comes first: exploring concerns related to managing the effects of taxes, inflation and market fluctuations; privacy, security, and legal actions; property and casualty losses; business continuation; and legacy creation and protection. Next we consider procedures, documents and similar techniques that can offer the protection required. As a final option, we might incorporate insurance or related tools – but only as required for clearly defined roles.
While many identify leaving a legacy as among their most important life goals, research indicates that only about one-third of wealth transfers succeed after transition! Equally interesting, a common trait among those who succeed is the ability to sustain a smooth and open flow of internal communications among family members. (Source: The Williams Group.)
That’s why we have the resources in place to assist with financial management and estate planning details, but we also offer guidance on the critical personal dynamics that represent the key to success in multigenerational wealth transition.
The true value of philanthropy lies in the meaning it brings to those both giving and receiving. For example:
A pleasant by-product for a family engaged in charitable pursuits appears to be the value it adds to effective communication of family values among generations. (Source: The Williams Group.)
Ongoing legislative reform may afford existing and new opportunities for charitable giving to play an increasing role within your tax planning efforts. Keeping up with the latest regulations in this area can add value to your charitable pursuits. If your goals include a philanthropic component, we carefully integrate it within your overall strategy.