Acting as portfolio managers, our philosophy in investing is individually designed for each client. The “suitability” concept weighs the client’s individual objectives, investment time frame, and risk tolerances in order to develop a prudent investment plan. This formula for “suitability” is the basis of a successful investment process. It is also the foundation for a relationship with your financial advisor based on confidence and trust.
What We Cannot Control
• Annual market returns• Volatility of market returns
• Sequence of market returns
• Timing of unexpected cash flows
• Inflation rate
• Tax law changes
• Unexpected life events
• Health changes
• How long you live
• Social Security and Medicare changes
What We Can Control
• The age when you retire• The amount you save annually
• Your retirement income
• Your annual vacation funds
• The amount you leave in your estate
• The risk in your portfolio
• What you donate to charity
• What you gift your children
• Funding education
• We can’t control the markets
• In our opinion, the average rate of return is meaningless
• Your goals and the risk you’re willing to take
• Provide a purpose-driven process
• Using Envision – Are you still on track?
• Guidance and adjustment through uncertainty
• Helping you to use money to accomplish what you want