How We Help
Investing
The two most important elements of successful investing are thinking clearly and avoiding temptation. Our approach emphasizes simplicity, levelheadedness, and taking on smart risks. We invest in stocks and bonds, and mutual funds and ETFs that do the same.
Fireball
Fireball is a portfolio of mutual funds that invest in thousands of securities across the globe. Even though we use this approach primarily for smaller accounts, Fireball gets the job done regardless of account size.
Cannonball
Similar to Fireball in concept, Cannonball uses exchange-traded funds (ETFs) rather than mutual funds. We like ETFs for their transparency, low fees, and trading mechanics. This approach works best for accounts with $50,000 or more in assets.
Custom
This style is for investors who like owning individual securities. We’ll use a mix of high conviction stocks and/or bonds that satisfy your risk tolerance. This strategy works best for accounts with $500,000 or more in assets.
These investment management styles serve as a framework. Our top priority is customizing an investment portfolio that addresses your financial goals and preferences. And we walk the talk. Our personal monies are invested in these same strategies and securities.
Are you ready for a complimentary review of your current portfolio?
Financial Planning
Are you overwhelmed by the daily bombardment of financial news and opinion? Figuring out what and who to believe is a challenge. Having a financial plan and collaborating with a fiduciary financial planner creates a sense of calm among clients and keeps them focused on what truly matters. Most importantly, they’re able to live (and spend) more confidently in the present.
First
We will have a collaborative conversation with you over the phone or in person.
Next
We will ask you for a short list of financial information that you can easily and securely upload from your personal computer to our client portal.
Last
We will meet and present our findings and key recommendations to get you on the path to finding the balance and achieving your goals.
During this entire process, we will help you articulate your financial goals, optimize the resources you already have, and put in place a plan with a trajectory towards a sound financial future.
Are you ready to connect with a Certified Financial Planner (CFP)?
Company Retirement Plans
We help businesses make smart decisions about these employer-sponsored retirement plans:
If you are self-employed and have no employees other than a spouse (and no plans to add employees), an Individual 401(k) may be of interest. These plans allow for both employer and employee contributions, up to $55,000 (for 2018) or $61,000 for those 50 and older. Advantages include a Roth option, more flexibility and higher potential limits than SEP-IRAs, and the ability to make profit sharing contributions. One disadvantage: you must file a Form 5500 each year if your plan assets exceed $250,000.
Choosing the right company retirement plan involves numerous details and considerations beyond the scope of the above commentary. Please consult your accountant and us to ensure you get the most out of your retirement plan options.
