Our firm goes beyond the traditional financial planning approach, meaning the basic retirement planning. The conventional use of a 60/40 stocks and bonds investment portfolio split, referring to 60% invested in equities and 40% in bonds has not generated the intended results that most expect. The traditional planning approach also contains gaps and risk exposures that can ultimately affect clients’ bottom line. Our approach to wealth management requires comprehensive, sophisticated financial planning, and detailed understanding of our client’s needs.
A more sophisticated financial planning approach would include the following:
- Adequately structure debt obligations to reduce borrowing costs and to improve cash flow
- Implement and maintain risk management strategies to protect and grow assets/investments
- Uncover tax efficiencies to enhance wealth accumulation
- Construct truly diversified investment portfolios that will manage volatility and provide liquidity