Financial Planning - Active Listening Works

Your investment strategy is inspired by your financial plan. That plan is built for you.

We analyze your situation and listen to your plans with great sensitivity. We discuss philosophy, lifestyle and your goals for your family. Often we help you define – and resolve – complex, multidimensional, multi-generational issues.

Our planning process includes an in-depth analysis of your current financial circumstances. We evaluate strengths and weaknesses. We uncover opportunities. We systematically educate you about your options. Then we establish a customized plan that addresses all of these.

The resulting plan is comprehensive, integrated, dynamic and completely responsive to your individual circumstances. It is a financial expression of your personal vision. Once it's complete, you'll begin to enjoy unexpected levels of clarity and control.


    


PERSONAL FINANCIAL WEBSITE

We use technology developed to provide you with an interactive daily wealth management tool.  In the past, people have completed financial plans that reflect their financial situation at a particular point in time. We are aware that life is continuously changing.  Our Personal Financial Website is a system that continuously tracks and monitors your financial plan to reflect these changes. The available services include:

  •  Comprehensive financial plan updated daily
  •  Personal website with 24 hour access to all of your financial information
  •  Account Connections
  •  Alerts to let us know of important changes in your accounts
  •  Online Vault capable for storing important documents
  •  Frequent flyer account mileage tracking system
  •  Mobile account web access

Our approach to personal financial planning aims to ensure our clients make informed investment and lifestyle decisions having received the best strategic advice available. This personalized planning tool will assist us in helping you make these decisions with up-to-date and accurate financial information.


INVESTMENT PLANNING REVIEW

PWM Allocation Strategies

Important drivers for the allocation of investment assets are time horizons, liquidity needs and current market conditions.  We believe that asset allocation strategies need to be segmented based upon four broad time horizons.  PWM has identified these segments as the following tiers:

 

Tier One0 – 5 Years

Tier Two5 – 10 years

Tier Three10 – 15 years

Tier Four15 years and beyond

 

The asset allocation within the above referenced tiers is related to the probability of when the asset must be utilized.   For example; Tier One has a high probability that the asset must be used within 0 to 5 years.

The following table is an illustration of the allocation for the portfolios under the PWM management tier system.  It should be noted that Tier One will have a higher allocation cash equivalents and lower risk instruments in many market circumstances.  Heightened market volatility and generally lower return expectations over the several quarters, has influenced a greater allocation to cash and lower volatility investment instruments in Tier Two and Tier Three models.  The expectation is that Tier Four models should be fully invested in equities, fixed income or alternative asset instruments.

 

 


PORTFOLIO COMPARATIVE ANALYSIS

 


CFP® CERTIFICATION

The CFP® certification is a voluntary certification that is acknowledged for its high degree of professional education, its ethical requirements and its rigorous standards of practice. It is recognized in the United States and a number of other countries. Currently, more than 71,000 individuals have obtained a CFP® certification in the United States.

In order to obtain the certification individuals must successfully complete the education ethics, experience and examination requirements.

  • The exam, which is distributed by the Certified Financial Planner Board of Standards Inc., covers over 100 topics relating to the financial planning field. It includes case studies and client scenarios that are designed to test the individual’s knowledge of financial planning in real world circumstances.

  • The individual must hold a bachelor’s degree from an accredited United States College or University. They must also complete an advanced college-level course focused on the necessary financial planning subject areas.

  • The individual must complete at least three years of full-time financial planning-related experience.

  • The individual must agree to be bound by the CFP Boards’ Standards of Professional Conduct, which outlines the ethical and practice standards for CFP® professionals.

  • Once certified the individual must also complete ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks.


INVESTOPEDIA

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Wholly owned by IAC (NASDAQ: IAC), Investopedia is the largest financial education website in the world. Powered by a team of data scientists and financial experts, Investopedia offers timely, trusted and actionable financial information for every investor, from early investors to financial advisors to high net worth individuals. Investopedia is operated by IAC Publishing, a collection of some of the web’s largest and most trusted digital media brands. For the latest in financial news and information, visit www.investopedia.com.