People often believe that every firm offers personalized financial planning and investment management tailored to the individual.
But actually that is wrong. Firms [almost] all follow the same 1950’s investment process that leads to an approach of underperformance, complication and undue stress on the client all in the name of mass-produced plans that cater to the advisor and not the client.
There are three major flaws we see across the entire financial advising / money management industry and we will show you how we can fix the flawed approach.
People don’t want risk scores and model portfolios. They have them because their advisor told them to get them. People want to know they will have more than enough income throughout their retirement regardless of the economy or the markets. And they want to grow their money in bull markets and protect it in bear markets. In other words, people want their best life to be their retirement. Every advisor knows this. Yet most are following outdated flawed approaches.
Just like a pilot of a plane we want to understand if the market is good (bull market) or not good (bear market) to grow and protect money. Market direction matters. Just like weather matters to pilots.
Our advisors are Certified Financial Planners®, which means we are fiduciary and put your interest before ours. And in order to do that we have to make sure our approach is commonsensical. Here is one example: We use Wealth Dashboards NOT 50 Page PDFs. Let me quickly explain, a Wealth Dashboard is what it sounds like. A living, breathing shared document that tells you immediately how you are doing. And NOT a static, twice a year (if you are lucky) stack of data filled with jargon, pie charts and projections of probability. But real life.
Yes, we know people think complicated is better. That is why so many people are lured into complicated approaches. But history is very clear. Simple is hard to break. Simple is powerful. Simple is not easy but it's worth it for your retirement. Simple beats complicated over longer periods of time. We have been retirement experts since 1998 all without using jargon, risk scores or outdated model portfolios.
FAQ
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