Value Proposition

 5 Pillars of Value can add 3% per year to your portfolio. *

1. Financial Planning

(>50 basis points) is taking a deep dive into what you want to accomplish.  Do you use Google Maps?  Do you remember AAA Triptik?  I create a road map to your short term goals, income needs, estate plan & legacy.  Like a great coach makes you perform better, stay on course I will also remove emotions from investing so you can achieve your financial objectives.

2. Asset Allocation

(28 basis points) is finding the correct mix of equities, fixed income & cash which is achieved by having an exact understanding of your risk.  This is accomplished by using Riskalyze, Nobel Prize winning software that predicts your 6 month risk range with 95% accuracy.  We show you how your portfolio would have performed in bull & bear markets, the banking collapse & if interest rates go higher.  We do our best to take the surprises out of investing.

3. Investment Selection

(82-85 basis points) you will indicate if there are certain investments you want to own or do not want to own.  Is your portfolio capable of handling the risk of owning individual stocks, REIT’s, international equities or commodities?  Not all will be appropriate.  Do you want to use an active or passive management style?  I primarily use ETF’s, stocks & bonds which are passive investments and I actively manage to your specific objectives.

4 Systematic Rebalancing

(44 basis points) is keeping your mix of equities, fixed income and cash in their correct allocations.  This will be completed annually.  The process can increase returns by not over exposing or under exposing your portfolio to any specific asset category which will give you greater control of your risk.

5. Tax Management

(100 basis points)* is off setting realized capital gains with tax-losses.  This will also be completed annually.  If you want to pay more that’s your business, if you want to pay less that’s my business.

*The Essential Advisor by Crager & Humel

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