Money is personal. We believe investors deserve a partner that will provide them with a bespoke investment experience tailored to their needs and objectives.
Start Smart
Getting a clear understanding of an investor’s financial life…
Starting smart begins by getting a clear understanding of an investor’s current financial situation and how they would like it to progress to help meet their 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.
Six Fundamental Financial Planning Considerations
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 investor sentiment towards each consideration through a succinct questionnaire. This allows us to examine the potential effects of these considerations on an investor’s assets today and in the future.
Value at Risk (VaR) Analysis
Within the initial review, we help investors understand their 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 the investor’s risk tolerance and provides insight as to whether changes to that portfolio are needed.
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…
- Secure guaranteed income for life
- Structure assets for future unexpected expenses
- Protect purchasing power over time
- Optimize returns within desired risk tolerance
- Provide for and efficiently transfer assets to beneficiaries
- Mitigate tax liabilities throughout the investment process
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.
1. Discover
Gather key information pertaining to goals, objectives, financial planning considerations, and risk tolerance.
2. Analyze
Perform an in-depth financial analysis of the information provided.
3. Plan
Create a custom strategy that aligns with the client’s provided goals and risk tolerance.
4. Implement
Execute the agreed-upon plan.
5. Monitor
Proactively manage the plan, evaluate its progress, and adjust it to meet shifting objectives and changing market dynamics.
Guarantees are backed by the financial strength and claims paying ability of the issuing company. This information is designed to provide general information on the subjects covered. It is not intended to provide specific legal or tax advice. You are encouraged to consult your personal tax advisor or attorney.
Communicate Progress
We A.C.T. on each investor’s 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.