We offer two services. The first is wealth management. This service offers both investment management, as well as a comprehensive financial plan. For those not looking for investment management, we also offer just the comprehensive financial plan for a flat, annual fee. With these comprehensive financial plans, there are a multitude of interconnected and changing pieces. Because of this, we prefer to work with our clients on an ongoing basis so that we can not only help develop and implement your financial plan, but also monitor and update the plan as needed. We feel that this is the most effective way to help you meet your financial goals.
We will provide you with all the services included in a comprehensive financial plan on an ongoing basis and update your plan as your life changes. In addition, we’ll provide ongoing investment management services including but not limited to:
Portfolio Construction and Management
Portfolio Analysis
Ongoing Tax Planning
Ongoing Cash Flow Planning
Quarterly Performance Reports
Annual Investment Review
Account Aggregation – See your entire portfolio in one place including outside accounts
OUR APPROACH
We start with a comprehensive financial plan, which is essential in understanding your investment needs and goals. We follow a process that:
is specific to your investment recommendations
ensures all recommendations meet your goals and objectives
uses due diligence with all investments in your portfolio
STEP 1
Understanding Your Needs
We discuss the particular goals, risk tolerance, time horizon, income requirements, tax status and special circumstances unique to the you and your portfolio.
STEP 2
Developing the Investment Policy
We draft your policy, which specifies your time horizon, risk tolerance, the types of securities to invest in and the asset allocation of your portfolio. It will also discuss your income requirements and any extraordinary circumstances which will affect the management of your assets. Your Investment Policy is our joint plan to reach your goals.
STEP 3
Implementing the Investment Plan
After you have reviewed and approved the Investment Policy, we will begin the investment process.
STEP 4
Monitoring and Reporting
We will manage your portfolio in accordance with your Investment Policy. This includes monitoring your investments, providing you with quarterly portfolio appraisal and performance reports, investing additional cash inflows, re-balancing to Investment Policy targets, and maintaining detailed tax records for your account. Above all, we focus on maximizing after-tax return while maintaining a long-term perspective and an appropriate level of risk.
STEP 5
Conducting Periodic Meetings
We will have periodic meetings as necessary to review your portfolio and your Investment Policy and to discuss any significant changes in your life or financial situation.
FINANCIAL PLANNING
AS YOUR TRUSTED PARTNER
We put together a comprehensive financial plan based on your lifestyle and needs and are available over the next 12 months to assist you with implementing the strategy. A comprehensive plan includes but is not limited to:
Cash Flow Planning/Budget
Personalized Retirement Planning
Tax Optimization Strategies
Education Funding
Estate Planning and Wealth Transfer Strategies
Major Expense Planning
Portfolio Construction (or Reconstruction)
Risk Management/Insurance
STEP 1
Having a Conversation
Before we start a plan, we’ll meet to have an informal conversation about your interest in financial planning. We discuss our background, explain our process, and answer any questions you may have. This meeting is complimentary.
STEP 2
Gathering Information
Once we start the plan, we’ll gather the information from you that we need to review and execute. We will familiarize ourselves with your situation and then go to work doing what we love.
STEP 3
Assumptions
After we have worked out a rough draft plan/strategy, we’ll meet again to clarify any questions we may have and confirm we are all on the same page for your plan.
STEP 4
Presenting Your Plan
After fine-tuning your plan, we will present your financial plan and answer any questions you have. Our goal is to have a common understanding of the recommendations. We encourage you to take the plan home to evaluate our recommendations.
STEP 5
Implementing Your Plan
We will provide you with a detailed action plan. We will be your partner in making it happen. We try to meet quarterly with all new clients to review the plan.
STEP 6
Continuous Planning
We will provide you with any assistance and advice discussed in the plan during your time working with us. We will continue updating and implementing your plan, as well as making changes to any previous steps as needed.
LET'S TALK
You are invited to set up a complimentary, no-obligation introductory meeting. We are happy to meet with you at our office in San Diego or virtually from wherever you are in the U.S.
