Investments

Long term
success
factors

You don’t want investment results dependent on someone’s ability to pick stocks or identify market trends. Financial planners know this is not what contributes to investing success.

What contributes more to your financial success than anything else is your ability to make a plan, and stick with it. That’s easier said than done when scary headlines start flying. That’s why our services are so important. We make sure current events don’t cause detours.

We don’t bet your retirement money on the price of gold or the latest tech stock. Portfolios are constructed using passive mutual funds as well as individual bonds and CDs. Below are the mutual fund families you’ll see in your portfolios with us:

Aligning Investments To Your Plan

Investing involves trade-offs. As you look at the triangle drawing, you can see as you move toward one corner of the triangle, you move away from the other two.

There is not a single investment that delivers safety, an elevated level of current income, and the potential for growth all at once.

As an investor, it is important for you to understand the trade-offs involved.

We use your financial plan to illustrate the purpose of each account, and show you how certain investments will be best aligned to that purpose.

The financial plan tells us when you will need to use your money, what you will need to use it for, and which accounts to draw from each year. Then an investment plan can be created to match investments to the current and future jobs they need to do.

To us, this makes far more sense than arbitrarily assigning you to a "moderate conservative" or "aggressive growth" model. Your investment allocation is designed for you.

Our chosen custodian is Charles Schwab, which means your account statements come directly from Schwab and you have online access to them anytime you wish. We handle all the paperwork, customer service, and portfolio management functions on your accounts. The best thing; instead of a call center, you have phone and email access to a dedicated team that knows who you are.

Within your Schwab accounts, we work with our investment partner, Asset Dedication, to build income ladders and growth portfolios per our specifications as laid out in your financial plan. While we lay out the strategic plan, Asset Dedication picks the individual securities that match the objectives in the plan.

Most often we find we are taking over the management of existing portfolios and then tax-efficiently restructuring the components to better align them with your goals.

All decisions are made with the goal of achieving after-tax results. We coordinate your investment decisions with your tax situation, so you pay as little tax as possible on investment earnings.

Measuring Progress

Your Critical Path® is used to measure progress. This path is a projection of the amount of financial assets you need to have remaining each year for your plan to work through your expected lifetime. The Critical Path® is also used to drive rebalancing decisions in a disciplined manner.

You also have online access to real-time performance tracking, and we show you how your portfolio is doing relative to industry benchmarks. We do this because it is a standard industry practice, but the truth is, who cares how you are doing relative to the S&P 500? What we care about is how you are doing relative to your goals, and that is why our preferred measurement tool is your Critical Path®.

If you find yourself looking at the portfolio all the time, we might gently remind you, “When you diet, do you step on the scale every half hour?” We’re creating an investment approach to last for life. By providing a lot of education on how it works, we find our clients relax and feel less stress about their finances.

Each year we update your plan, and see where you are relative to where we thought you would be. We then recommend or make any needed adjustments. It’s a disciplined process, but it’s also flexible enough to accommodate all the things that happen in life; new homes, new jobs, grandchildren, and new hobbies, for example.

Delivering Your Retirement Paycheck

We are thorough in our planning process because when hired for our Juicing® PLUS service, which includes ongoing planning and investment management, we view it as our responsibility to deliver the retirement paycheck laid out in your plan.

When you near the point where you plan to transition into retirement, we work through the details. This includes setting up direct deposits, determining how much in taxes to withhold from distributions, estimating quarterly tax payments (if they are needed), assisting with paperwork for pensions and 401(k)s, and much more.

Our mission is to create the freedom to live life without the thought of money. Imagine not having to worry about how the next political move will impact your retirement. Or not having to give any concern to what the markets are doing this year. Our clients know their retirement paycheck is not dependent on these things. That’s the type of freedom we create. We want you to be able to relax and enjoy retirement.

Getting Started

Our services start by completing a set of online Pre-Meeting Questions. Once we receive those we reach out to schedule a complimentary introductory meeting.

All of our services start with a complimentary consult - Get Started
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