Our Approach

Knowing how much money you’ll need is important, but that’s not the whole picture…

Living Above The Line

We believe that to become more satisfied with your life, you need a vision.  What are your unique talents, passions, and priorities? How should you spend your time each day to make the most of your life?

To realize that vision, you’ll need to set and meet personal goals, financial/lifestyle goals, and goals for the people and causes which matter most to you.

To meet those goals, you’ll need the right strategies, tools, and tactics.

Your vision and goals are what we call “above the line.”
The strategies, tactics and tools you use are “below the line.”

Too often, people spend their financial lives focusing ‘below the line’: trying to earn more money, comparing investment strategies, deciding which investments to buy and attempting to time the financial markets. They may make incremental progress, but what is really being achieved? Climbing the ladder of success only to find it’s leaning against the wrong wall can be a devastating realization.

Living above the line often requires a paradigm shift. You’ll still need to work hard – but you’ll also need to delegate strategically. You may find that it’s best to work together with your professional advisors like a financial “board of directors.” You supply the vision and goals.  Then you delegate ‘below the line’ items, as you like. Your team reports to you regularly so you’re always informed. And we’re on retainer when you have new ideas and want to collaborate with a trusted partner.

Let’s Talk — Above the Line

At Bryan-Billauer-Kozo Financial Strategies Group, we want to become your most valuable financial resource. We specialize in helping people live ‘above the line’. Let us know what’s important to you and we’ll show you how we can help.

Three Prongs to Bryan-Billauer-Kozo Wealth Management Group of Wells Fargo Advisors

Grow Strategies -  Comprehensive Investment Planning and Investment Management

Preservation Strategies - Asset Structuring, Concentrated Stock/Option Strategies, Estate Investment Planning, Protection Planning Strategies and Tax Management Strategies

Monitoring - Articulated Timeline of Events, Design of personal Investment Policy Statement, Quarterly Reviews, Plan Reviews and Tactical Asset Allocation Strategies