We perform three services for clients:
- Setting investment strategy
- Allocating assets appropriately
- Investing and monitoring their investments
- Clients are able to delegate a critical activity to a professional to free up their time.
- They develop peace of mind about their financial matters.
- They have a clear picture of their long term financial situation as well as the knowledge that as life changes so will their financial plan and portfolio.
- They know that though their lives are busy and time is short, their portfolio is being regularly monitored and managed.
- They have a go-to professional who is knowledgeable about their financial matters. This enables them to make informed decisions on matters like: contributions to 401K plans, exercising their stock options, and year-end tax strategy related to investments.
The Cheshire Cat: That depends a good deal on where you want to get to.
Alice: I don’t much care where.
The Cheshire Cat: Then it doesn’t much matter which way you go.
Alice: …So long as I get somewhere.
The Cheshire Cat: Oh, you’re sure to do that, if only you walk long enough.”
― Lewis Carroll, Alice in Wonderland
Setting Investment Strategy
Our Clients can typically explain what their financial goals are: Retire comfortably, educate their children, provide for their dependents, leave a legacy, or buy fancy toys.
But they have difficulty in translating these goals into actionable financial steps. For example: “I need to save $x each month to sustain my life style in retirement”.
Also, when they have multiple goals, making a cohesive plan becomes much harder since goal finances may be inter-related.
And evaluating different scenarios (e.g. what if I lose my job?) is even more challenging especially if they don’t have the correct tools and training.
We can help clients develop a cohesive and customized investment plan to achieve their goals.
Allocating Assets Appropriately
Allocating assets properly is critical to managing your portfolio’s risk.
We recognize that there are many asset allocation rules of thumb available – for example, “invest your age in Bonds”. But real-life is a little more complicated. We view risk from 8 perspectives and then use the resulting insights to craft asset allocations for clients.
Making and Monitoring Investments
Investors are often capable of making their own investment decisions but lack the time, interest, and analytical tools to do so effectively. Our program lets you delegate your critical investment management activities to a qualified professional.
Think of our services as a GPS for your financial life: Goals – Plan – Strategy.
Benefits to you
Clients free up their time by delegating investment management to a professional.
They develop peace of mind about their financial matters.
They have a clear picture of their long term financial situation as well as the knowledge that as life changes so will their financial plan and portfolio.
They know that though their lives are busy and time is short, their portfolio is being regularly monitored and managed.
They have a go-to professional who is knowledgeable about their financial matters. This enables them to make informed decisions on matters like: contributions to 401K plans, exercising their stock options, and year-end tax strategy related to investments.
Who should invest with us?
Our advisory services are designed for busy individuals (such as successful professionals or small business owners) who have at least $250,000 to invest with us and are interested in a streamlined and clear investment program.
Clients rely on us for comprehensive investment management. We develop a long term investment strategy and then invest their portfolio to try to achieve their objectives. We update the plan annually or when there is a change in their life style. We also do scenario planning to determine the impact of life-events on their investments.
Spend time on activities you enjoy.
Invest your portfolio responsibly.
These clients have demanding careers as well as active hobbies. For them, delegating their investments to a trusted advisor and hence gaining control of time is an important need.
Since their lives are so dynamic, they often meet to do scenario planning. In these sessions we help them answer such questions as: “What would happen if I spend on an additional vacation or piece of art”? Or “Things are a little uncertain at work, what happens if I get a poor bonus”? Or “My business is likely to stay soft for a year, how should I change my investment plans”?
They credit our services with: helping them simplify their financial matters so they can focus on the goals and big picture; saving time; having an informed second opinion “on demand”; not having to deal with keeping up with investments and the markets.
– Tennessee Williams.
These clients have families and the responsibilities that go with it. Like most investors, they are simply too stretched to have adequate time to research investment ideas and make decisions. Many don’t have the financial background or the interest to be self-sufficient when it comes to investing. Others are not interested tackling their investments on their own.
We help such clients answer questions like – “Things are a little uncertain at work, what happens if we need to live on one income for a while”? Or “What is the impact of sending our kids to private school”?
They credit our services with: helping them simplify their financial matters so they can focus on the goals and big picture; organizing accounts which support their estate planning goals; saving time; having an informed second opinion “on demand”; improving their ability to communicate better with each other on spending and investment plans; developing a shared financial plan.
– Nick Murray,
Investment Industry veteran.
These clients have substantial portfolio but no longer have steady incomes. While many of their financial commitments are behind them they worry about the impending cost of health-care or supporting their adult children. Mainly they worry about outliving their investments. We help such clients to set prudent withdrawal rates from their portfolios.
They also rely on us to help them answer such questions as “Should we be setting aside additional amounts for health care”? Or “What should our gifting strategy be and how will these gifts impact our lifestyle”? Or “Will I be able to continue to be comfortably retired”?
They credit our services with: having an informed second opinion “on demand”; not having to deal with keeping up with investments and the markets; building a rapport with an advisor in whom they have the time to develop trust in case one of them (especially the “Family’s financial chief) were to be impaired.
Our costs are straightforward and competitive.
We charge 1% of assets under management. Moreover, we endeavor to keep your total investment costs at or below median industry levels. We can do this because we know how to find high-quality investments that are attractively priced. And, we keep our overheads low.
We believe that our fees & costs are competitive and are also considerably lower than the total fees and costs of the large branded firms.
Though many investment firms impose account minimums, we do not. However, if portfolios are less than $250,000 then our total investment costs may be somewhat higher.