We work best when we can partner with you, our client (whether you are building capital, living off retirement assets, or dealing with newfound wealth). We provide education so that you know what you’re investing in and why you’re doing it. We keep you up to date with your accounts and products so that you can have financial confidence.
We work for you: our clients. Ben James leads our team with over 20 years of experience. He looks at your net worth statement and shops for investments relevant to your portfolio. Kay Lang and Daniel Nordstrom work with Ben, treating your portfolio like a business, while treating you like family. You receive regular reports on your investments and opportunities, and always have access to someone on our team.
As asset managers, we:
- Analyze and research the capital markets to help you make investment decisions
- Utilize your unique circumstances to build a portfolio that is tailored to you
- Shop for the best investments suitable for your portfolio
- Possess expertise in trading and management of portfolios
- Report results to you regularly
All while implementing our financial planning process.
Financial planning is a journey that we embark on together. This journey can be a life-long process, but that is a good thing. Life changes, such as business ownership, inheritance, loss of spouse, kids, grandkids, retirement, etc. will help shape your goals, and rightly so. We help you clarify your goals and take steps to pursue them.
Financial planning is, most simply, setting financial goals and then taking steps to pursue them. For example, I might want to maximize my return potential while accepting a certain level of risk. So, I will create a portfolio that incorporates sound research and diversification.
Financial planning can be thought of as having 6 Steps:
- Establishing and defining the client-planner relationship
- Gathering client data including goals*
- Analyzing and evaluating the client’s current financial status
- Developing and presenting recommendations and/or alternatives
- Implementing the recommendations
- Monitoring the recommendations
*Examples of goals might be:
- Passing on wealth at a given threshold
- Funding a retirement
- Maximizing tax planning benefits to minimize taxes
- Providing for educational funding
- Leaving a legacy
There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.