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Assistance in Planning and Maintaining The Course
A subtle but critical service, invaluable to most clients, is the assistance we provide in planning and staying on an investment course. We offer a strict discipline that is critical to providing clients with their greatest chance to achieve their financial objectives. In the end this is the reason to hire an investment advisor. We earn our fee over time --
- By helping clients determine their individual investment goals - their need, ability and tolerance to accept investment risk and its higher expected return - we help them choose an appropriate path toward their objectives.
- We further clarify that path by asking clients to sign an Investment Policy Statement (IPS) that defines their goals and their plans for achieving them.
- Using the IPS (or equivalent) as a guidepost, we help clients remain focused on their goals in the face of endless market volatility, continuous noise from the popular media and never-ending pressure from well-meaning friends or relatives who have discovered “the next great buy” that they should jump into.
- Our commitment to providing excellent ongoing investor education is based on our strong belief that investor education is the key to disciplined investing.
Avoiding Taxing Experiences
Maximizing expected returns is only the beginning of the value we add to a client’s investment experience. Our careful and continued vigilance toward tax efficiency can easily offset advisor fees … and then some, as we implement all of the following techniques:
- Appropriately placing tax-managed investments within investors’ taxable accounts and less tax-efficient assets in tax-sheltered investments.
- Practicing regular tax-loss harvesting within clients’ taxable holdings, offsetting realized or anticipated capital gains
Seeing the Forest AND the Trees
As if all of the aforementioned portfolio management services weren’t enough, we are actually focused on an even bigger picture - helping clients plan and achieve their objectives such as college education or retirement, as well as plan for any future legacy they may have in mind.
As such, we add enormous value beyond what an advisor who focuses strictly on fund construction might have available. We have the capability to access and meld multiple skills sets from a wide variety of related financial fields, all bundled into a single advisor fee that means that we are not “on the clock” every time an investor seeks our services.
In earning our advisor fee, we offer expertise and services in all of the following areas:
- Tools to help clients conduct more sophisticated portfolio analysis as needed, such as Monte Carlo simulation planning, three-factor regression analysis and more
- Ongoing education
- Ongoing analysis and commentaries regarding new services and features available within the investment industry
- Services to maximize investments that have been sheltered within annuities
- Trust services to ensure that we can continue to serve as investment advisor, implementing any legacy plans that clients’ have established for their portfolios, after the portfolios have passed into a trust environment.
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