Investment Management
Investment Management
We serve a diverse range of clients including business owners, c-suite executives, corporate attorneys, and medical professionals– who trust us to help them save, protect and grow their capital to meet their financial and legacy goals. Our holistic approach allows us to be a resource not only for our clients, but also their family, friends, foundations, and endowments.
We build client portfolios across a broad range of asset classes including equities, fixed income, alternatives investments, and real estate. We construct portfolios with a disciplined approach to investing using a combination of internal research and third-party research to develop both a long-term strategic policy and a shorter term tactical policy for each client with the goal of managing risk and seeking returns throughout market cycles.
Investment Planning
Investment Planning
An investment plan is an assessment of each client's unique current financial condition, a summary of their goals and a roadmap to help them get from the present to the financial future they want. A thorough investment plan will address current savings, budgeting, insurance, investments, taxes, estate planning strategies and retirement. When mapping out an investment plan, we will consider future income needs, vacation allotment, future asset purchases, and basically anything else that will significantly impact our client’s financial life to make sure that their current financial state will keep them on track to achieve their goals. Comprehensive investment plans prepared by our team’s CFP® will be periodically updated to reflect any changes that will affect the client’s financial life.
Wells Fargo Advisors is not a legal or tax advisor. Any estate plan should be reviewed by an attorney who specializes in estate planning and is licensed to practice law in your state. Insurance products are available through non-bank insurance agency affiliates of Wells Fargo & Company and underwritten by non-affiliated Insurance Companies. Not available in all states.
Risk Management
Risk Management
Benjamin Franklin once said "Those who fail to plan, are planning to fail". We believe this is especially true for asset management. Every investor should have a plan that guides him/her through different market environments and helps them prepare for the unexpected. Outlining financial goals, risk appetite, time frame, and customization requirements are all part of the disciplined process that we recommend for investors. This outline should be achieved through a written investment plan that is reviewed and updated.
Investing is more about managing risk than any other aspect of the complicated investment process. Risk management is not a consequence of a disciplined investment process- it IS the disciplined investment process.
Our Business Philosophy
Our Business Philosophy
The Piedmont Wealth Management Group of Wells Fargo Advisors philosophy is total client engagement. We believe that it is in our client’s best interest for us to understand all parts of their financial well-being. We want to make sure that we know not only about our client’s assets, liabilities, and risks, but also about their family and family legacy, occupational goals, and recreational aspirations.
We never lose sight of what matters most to our client as it relates to their family. We work with our clients to ensure that their loved ones are taken care of.
We never lose sight of what matters most to our clients as it relates to occupational goals. Many times our clients have a set retirement date to plan towards, whiles others just want a "work optional" lifestyle.
We never lose sight of what matters most to our clients as it relates to recreational aspirations. Everyone has a bucket list, and we take pride in helping our clients achieve those goals.
Our Investment Discipline
Our Investment Discipline
Our Investment discipline isn’t easy. In spite of best intentions and claims to the contrary, many investors chase performance, react emotionally to market noise, and generally incur far more trading costs than would be the case with more disciplined approach. Even when there is a long-term plan in place, if it’s not followed, the plan has value. Over the years we have had success and gained our clients trust by following a disciplined investment strategy.
Our disciplined investment strategy includes:
1. Each client’s goals and objectives
2. Designing a prudent asset allocation based on this philosophy
3. Sustaining the asset allocation through market volatility
4. Not changing the asset allocation due to recent market activity
5. Maximizing tax efficiency in the investment portfolio
Our Investment Process
Our Investment Process
Over our 60 years, we have developed and refined a wealth management process. We have given this process a name, we call it the OAK process. OAK stands for Open Discussion, Assessment, and Knowledge and it is the cornerstone of every decisionwe make.
Our goal is to work with our clients to help them make smart financial decisions. In order to do so, we begin with understanding the individual, family, business, or endowment we are working with. The goal of the Open Discussion meeting is to obtain information regarding all aspects of the client’s financial well-being. We gather this information and put together a complete investment plan which we will use as the basis for our investment recommendations. Only when we fully understand the client’s goals and finances can we begin working on a plan, and subsequently provide appropriate investment recommendations.
We guide our clients through each step in our process and we set time aside to answer any questions. We believe that working with informed clients brings confidence in knowing their investments are working towards their goals.
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