Our Advisory Process

Financial Planning

Our Advisory Process—Guidance for Each Phase of the Future

The complexities that come with significant wealth call for far-reaching care that frees you from the burdensome day-to-day management of your investments. Working closely with a wealth manager experienced in serving distinctive individuals, families and businesses enables you to spend your time where it matters most.

Understand

As we listen to you, we learn about your objectives, your perspective on risk and your liquidity needs. We then devise a plan to support your personal goals through professional investment management and strategic planning.

Design

Using the details you have confided in us and our access to high-caliber research and analysis, we narrow down a selection of investments and an allocation tailored to your financial life. We will then present our recommendations and outline the steps needed to implement your plan.

Implement

Once you have approved the plan, we put it into action by choosing investment vehicle types and services uniquely suited to your needs, goals and risk tolerance. We craft your portfolio carefully, making the most of the choices available to serve your precise situation.

Manage

After establishing your plan, we continue to monitor its progress toward your objectives and ensure it keeps working for you through all of life’s changes, continually updating you and providing ongoing support. We stay abreast of what’s ahead, helping you remain equipped for the challenges of tomorrow.

Pathway to Navigating Your Wealth

Principles in Financial Achievement

Always save money in 3 different time horizons

A. Short (12 months or less + emergencies, using cash)
B. Medium (1 to 20 year expenses – house, trips, cars)
C. Long term buckets (for post age 60 in a 401k, Roth IRA, 403b)

Automate your savings monthly

Out of every check , as soon as possible as compounding of time and money is powerful. Adding 10 years to your accumulation time can double your values.

Don’t spend more money than you earn

Lack of spending control is probably the biggest problem I see towards financial independence. Be clear about a want and a need.

In using debt, use it wisely

Such as for education, a house, or short term goals that need to be paid for now vs later, but can be serviced quickly. Your credit score matters. Take care of it.

When investing in stocks and bonds, be balanced

Don’t “time” your investing based on your outlook and sentiment for the future. Missing the best 20 days over 20 years in stocks reduces your returns substantially from 9% to 5.5% annually. The worst case scenario almost never happens. Since 1928, US Stocks have been positive 76% of the time annually. This is nothing like gambling.

Get and hire a positive, enthusiastic financial coach who will hold you accountable to your goals

Just like a workout, you probably won’t be objective and honest on your own.

Your company and your government don’t care about your financial future

You must own it 100%.

Don’t get divorced, and don’t be unforgiving

Unreconciled issues are hard to recover from emotionally, spiritually, and financially.

Take care of your health

Health care costs are going up much faster than inflation. Bad health has many ramifications.

Every investor's situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. Investing involves risk and you may incur a profit or loss regardless of strategy selected.

Need Assistance?

Call (425) 212-2082