The Active Wealth Process

Understand

We seek to understand the current financial situation, monthly expenses, long-term obligations, family assistance needs and retirement goals for every client.

Analyze

We submit client statements to MorningStar for third party analysis of client portfolios. This stage in our process helps clients fully understand the facts about their investments including the fees they are paying, market correlation and risk. We also place their current portfolio in a Monte Carlo simulation of 1000 market responses to show how they will potentially react throughout their retirement years through their 95th birthday.

Develop

We develop a customized financial plan to accomplish our client’s goals through their 95th Birthday. We work hard to deliver a plan to protect and grow our client’s wealth. We deliver a social security plan to better inform our clients. We take these risk factors into account in the development of every client’s financial plan:

1. Longevity
2. Inflation
3. Market Volatility
4. Healthcare
5. Withdrawal Pressure on the Portfolio

Educate

We invest time to teach our clients the elements of their financial plan that we work hard to build for a successful retirement.

Implement

We work best-in-class custodians to secure all funds for all of our clients. We liquidate and transfer assets upon the direction of our clients. We immediately invest our clients’ wealth into our recommended and accepted plans. Our goal is to protect and grow our clients’ wealth consistently. We also invest primarily in Exchange Traded Funds (ETFs) for fee efficiency. We are not a “fund-to-fund” private wealth management firm. We do our best to shield our clients from mutual fund fees that can place unnecessary drag on the performance of a portfolio.

Manage, Rebalance & Protect

Each of our portfolios has a designated frequency for rebalancing to proactively adjust to market forces while also trading tax efficiently. We care about our clients’ financial success and work hard to deliver.

Grow

The ultimate goal for all of our financial portfolio s is to grow client wealth. We are careful to not react too aggressively or too conservatively in managing client portfolios. We will invest with the goal to grow our client’s wealth to outpace inflation., to deliver much needed income and to counter-act the negative effects of taxation.

Generate

A majority of our clients need to withdraw money from their portfolio annually or even more frequently, this means we must deliver growth to accommodate the withdrawal pressure placed on the portfolios. Our goal is to generate growth and a resulting income through sound portfolio management and other financial products.

Measure

A majority of our clients need to withdraw money from their portfolio annually or even more frequently, this means we must deliver growth to accommodate the withdrawal pressure placed on the portfolios. Our goal is to generate growth and a resulting income through sound portfolio management and other financial products.

Review

We meet face-to-face with our clients semi-annually or quarterly based on client preference. These reviews are important for us to clearly understand what is going on with our clients and if anything has changed regarding their monthly expenses or future financial obligations and goals.

Adjust

We meet face-to-face with our clients semi-annually or quarterly based on client preference. These reviews are important for us to clearly understand what is going on with our clients and if anything has changed regarding their monthly expenses or future financial obligations and goals.

Repeat

We meet face-to-face with our clients semi-annually or quarterly based on client preference. These reviews are important for us to clearly understand what is going on with our clients and if anything has changed regarding their monthly expenses or future financial obligations and goals.