Retire With Confidence
Our Planning Process
Money is personal. We believe investors deserve a partner that will provide them with a bespoke investment experience tailored to their needs and objectives.
Our three-step planning process works by first identifying suitable financial strategies and then implementing those strategies. This allows us to meet our clients’ needs, therefore achieving their retirement goals and objectives.
01. Start Smart
Getting a clear understanding of an your financial life.
Starting smart begins by getting a clear understanding of your current financial situation and how you would like it to progress to help meet your future lifestyle goals and objectives. During this process, we get to know our prospective clients by gathering information pertaining to their personal values, financial goals, and existing financial accounts. We also evaluate their attitudes toward six universal financial planning considerations and conduct a Value at Risk (VaR) analysis.
Our six fundamental financial planning considerations are potential barriers investors may face when working toward their goals. We believe that it’s important to evaluate your sentiment towards each consideration through a succinct questionnaire. This allows us to examine the potential effects of these considerations on your assets today and in the future.
Longevity
Outliving financial assets as the result of a longer life.
Inflation
Reduction in real purchasing power as the result of increasing cost of living.
Mortality
Loss of financial assets as the result of a partner’s or spouse’s death.
Liquidity
Limited access to assets to meet life’s unexpected financial needs.
Market
Unexpected reduction in the value of financial assets at the time of withdrawal.
Taxes
Decreasing income and assets and/or the impairment of legacy assets from increasing taxes.
Within the initial review, we help you understand your risk threshold. We do this by deploying a Value at Risk (VaR) Analysis that helps us quantify attitudes toward financial uncertainty, specifically one’s emotional tolerance with respect to the magnitude and speed of potential investment loss.
This analysis produces a VaR Score that is indexed on a scale from conservative to aggressive. The VaR Score can help us determine if the current portfolio aligns with your risk tolerance and provides insight as to whether changes to that portfolio are needed.
02. Apply Discipline
A holistic investment plan for growing and protecting wealth.
Our discipline is built on the foundation of holistic planning and how investment and insurance solutions can work in concert to help mitigate six fundamental financial planning considerations within a desired risk tolerance, so our clients have the confidence to handle market cycles.
This includes evaluating and incorporating strategies for working to:
Holistic planning can help investors:
Remain Committed to the Strategy
Be confident in and committed to the investment plan with risk-tolerance based investment strategies.
Optimize Total Return Potential
Deploy customized investment and tax strategies for growing and shielding assets.
Protect and Preserve Investable Assets
Address six financial planning considerations to help prepare for various financial outcomes.
Investment Process
We want to exceed our clients’ expectations and provide transparency into our process so that they can remain confident throughout our partnership. After gathering information about our prospective client’s financial life, we utilize a multi-step process for analyzing, structuring, and implementing a holistic plan that is personalized to their financial goals and objectives.
ONE
DiscoverGather key information pertaining to goals, objectives, financial planning considerations, and risk tolerance.
TWO
AnalyzePerform an in-depth financial analysis of the information provided.
THREE
PlanCreate a custom strategy that aligns with the client’s provided goals and risk tolerance.
FOUR
ImplementExecute the agreed-upon plan.
FIVE
MonitorProactively manage the plan, evaluate its progress, and adjust it to meet shifting objectives and changing market dynamics.
03. Communicate Progress
We A.C.T. on your behalf.
Accessible
We aim to be available to our clients and work to answer questions and address concerns as promptly as possible.
Consistent
We jointly determine communication preferences and frequency, and provide critical market updates throughout the year.
Transparent
Our clients have access to a secured online portal that will allow them to view their financial landscape in one location on any online device.
The AssetLock Advantage
AssetLock monitors the investor’s household portfolio value and AssetLock Value, and communicates key changes to both the investor and financial advisor. This approach helps the investor capture portfolio gains and reduce the potential for losses by keeping the portfolio strategy and investor’s risk tolerance aligned.
How AssetLock Works
This hypothetical example demonstrates using AssetLock on an initial portfolio valued at $100,000. The investor’s Value at Risk score determined a 10% AssetLock Threshold desired in the portfolio, making the starting AssetLock Value $90,000. If the portfolio experiences growth to a High-Water Value of $146,793, the AssetLock Value would then increase to $132,114. If the portfolio then experiences a 10% loss, reaching the AssetLock Value of $132,114, the financial advisor and investor will be notified to discuss the possibility of portfolio allocation adjustments.
AssetLock® is tracking software used to monitor the performance of a client’s household portfolio, and to predetermine the amount of downside the client is willing to tolerate. It is NOT an actual stop order and will NOT automatically sell the individual securities in the household portfolio. The AssetLock® Value is a reference point to encourage a conversation between the advisor/firm and the client to determine if the client’s household portfolio should remain unchanged, reset the AssetLock® Threshold by reallocating to a different risk profile, or liquidate part or all of their household portfolio. AssetLock® will send the client and their advisor alerts when the household portfolio reaches the client’s determined values, new all-time highs and/or the maximum targeted amount of downside the client is willing to accept. The client and their advisor are notified about changes in the client’s household portfolio. This notification requires that the client is subscribed to receive text message and/or email alerts from AssetLock®. Message frequency varies. Standard message and data rates may apply.