Our philosophy is that regardless of the term for which you are investing, it’s important to be invested appropriately for both your objective and also the market conditions.
What this means is that it might be prudent, from time to time, to rotate the investment sectors or dial down the risk to allow your portfolio to better weather a volatile or declining market, based on longer term trends. We don’t believe in reacting to the shorter-term fluctuations in the market, unless they represent an opportunity that corresponds with our planned objectives for your money.
As part of our planning and review process, we will determine your tolerance for risk coupled with the time and money objectives you have. Based on this, a summary asset allocation will be determined and an investment profile drawn up.
We’ll implement and monitor this for you on a monthly or quarterly basis and meet by phone, skype or in person, as best fits your needs.
Our goal in working with you is to:
1. Understand your money values.
2. Understand what you want to do and when (your goals).
3. Help you prepare a financial game plan that supports those goals.
4. If applicable, construct an investment portfolio that considers your values, tolerance for changes in your account value as well as the future wealth goals you are working towards.
5. Meet monthly, quarterly or annually, depending on your needs or as life and market changes dictate.
AS PART OF OUR SERVICES WE WILL:
- Embark on a discovery process with you so that you and we are crystal clear about your values, life goals and investment objectives.
- Explore and understand your risk profile so that how your account is invested matches your values, comfort level, objectives, account type and timeline.
- Establish an Investment Policy Statement that will, along with periodic conversations with you, be our guide for how we will invest.
Our firm believes in appropriately allocating portfolios not only to your specific needs, but also with a careful eye on market conditions. We like opportunity as much as the next investor, but when it comes to investing our client’s money, we prefer prudent to aggressive.
We offer Sustainable and Responsible Investing (SRI) portfolios for all of our clients who are looking to better line up their investments with their values.
OTHER SERVICES
We are a fee-based firm and our goal is to help you create a strong foundation for your financial goals.
Our services encompass a broad range of solutions including managing your investments, financial planning and education and holistic review of your overall financial picture.
Portfolio Management
Retirement Planning
Retirement Income Projections
Distribution Planning
Cash Flow for Spending Plan
Budgeting
Social Security Analysis
Estate & Legacy Planning
Life Insurance Analysis
Long Term Care Analysis & Planning
Financial Planning
401(k) Solutions
CONSCIOUS WEALTH™ PLANNING
Conscious Wealth™ Planning : a series of thoughtful conversations, supported by fact finding, research, figures and illustrations that help you to fully understand where you are at, where you want to go, and how to get there.
Planning as a process, not a product.
Your plan starts with a conversation with you or you and your partner / significant other. What’s important? What makes your heart sing? Where are you heading? How does your money support you? What are your biggest money challenges?
Together we will create the clarity you need to make decisions and take action.
We’re here to help you navigate life’s challenges and direct your money from a place of confidence.
For more information on our Conscious Wealth Planning packages, please give us a call or send a note and we will be happy to chat with you about your specific needs and questions.
FINANCIAL CLARITY
You’re not sure what to do. Should you start that business, move to another country, sell your house or rent your house? Quit your job (or your home) now or later? Spend the money, take the money? Can you retire? Now? Ever? Are you financially sinking or just floating aimlessly?
You have no idea really what your financial situation is, you think it’s ok, or not, but don’t know where to start to figure it out.
When you think about it, if you even can think through the fog of resistance, it might occur something like this:
… both of which are equally unattractive. So you put it aside. In putting it aside, you once again put aside your own movement forward, as all those questions that would clear the way remain unanswered.
If this sounds like you, we can help. We’ll bring financial advice, perception, intuition, compassion and creativity to the table to help you untangle and then re-weave the threads of your financial picture so that you can obtain the clarity and confidence you need to decide, act and flourish.
Our goal in working with our clients is to assist them in creating a life that they love and more often than not, an essential part of the process is understanding and feeling secure about their money. For a complimentary 30 minute conversation about your situation, book here. We’d love to speak with you.
Maybe a conversation is all that you need. But if not, we provide 3 and 6 session packages to help you create the financial clarity and confidence you desire.
SOCIALLY RESPONSIBLE INVESTING
We know that fundamentally, our clients are concerned about how they are invested in terms of growing and protecting their wealth. Our mission is two-fold, to fulfill on this basic responsibility while also allowing our clients to feel comfortable about the nature of those investments. We understand that not everyone is concerned about SRI as a basic tenet of their investment strategy. However we do believe that for many, that is simply a matter of education, and that companies that respect the environment and their people and who are conscious of the broader impact of their business will prosper. We also believe that like charity, change starts at home. Making a difference and rewarding good behavior is not limited to the already wealthy, the virtuous or the non-profits of the world. Individuals make a difference every day with the choices they make.