WHAT IS INVESTMENT MANAGEMENT?
Investment management is more than just buying and selling stocks. It is about having a portfolio strategy that helps you achieve your long-term goals. It is about building the appropriate asset allocation. And it is about monitoring performance to make sure your investments stay on track with your goals.
Depending on your stage in life, you may find that you need an investment management service that is primarily online. As your wealth becomes more complex or as retirement moves closer, you might consider a one-on-one relationship with a financial advisor who provides ongoing, hands-on investment management.
Our wealth management firm understands that people have different needs at different stages of their life. That is why we offer two services for people with investment management needs:
Wealth Builder, which provides online investment management emphasizing low fees and tax efficiency
Wealth Management, which incorporates investment management into a comprehensive financial blueprint for achieving your goals
Based in Granite Bay and Folsom, CA, and Lehi and Logan, UT, we are a Registered Investment Advisor committed to providing the tools that allow people to live their dreams. We help achieve this through a fiduciary obligation that always puts your best interests first and fee-only service that means we are paid only by you, our client.
WHAT AREAS DOES INVESTMENT MANAGEMENT ADDRESS?
Investment management looks different by financial advisor and by the service offered. That is why it is important to understand what you are seeking and talk at length with a potential advisor to make sure their service meshes with your needs.
Our Wealth Builder service, for example, is particularly appropriate for young professionals who are intent on building wealth. We offer an online service that manages your portfolio while emphasizing low fees so you can keep more of your money working toward your goals.
In addition, our Wealth Builder clients can also take the advice of the financial modules in our Wealth Choice program at a reduced rate.
For our Wealth Management clients, investment management is part of a coordinated and comprehensive financial planning service. Our team members work one-on-one with you and each other to help create a better plan for your future.
Our Wealth Management services include:
✔ Personal, fee-only financial planning
✔ Tax planning and preparation*
✔ Cash flow planning and management
✔ Retirement, tax and estate planning strategies
✔ Resources on many other financial subjects to promote financial wellness
*Additional fees may apply
✔ Disciplined portfolio management
✔ Asset allocation model construction
✔ Retirement plan rollover guidance
✔ Advice about stock options
✔ Second opinion on your current investment portfolio or financial plan
When you are a Wealth Management client, your investment management service will include:
Life and goals alignment: We start our relationship with goals discovery, and our regular reviews with you cover changes to your life and objectives so that we can update your investment portfolio as needed.
Investment strategy creation: Your investment strategy is tailored to your personal and financial goals and can help you stay the course through all kinds of market weather. We make recommendations based on factors such as your age, risk tolerance, and return needs.
Asset allocation model construction: After we agree on your investment strategy, we prepare recommendations and begin creating a portfolio aligned with your ideal asset allocation.
Investment monitoring: We monitor your portfolio performance on an ongoing basis, as well as changes to the market that can affect your investments.
Portfolio management: We manage your portfolio, adjusting as needed. We draw on strategies such as rebalancing to maximize opportunity in the markets and keep your portfolio and goals aligned.
Tax strategy optimization: Taxes play a significant role in wealth creation, and we employ both short- and long-term strategies such as tax loss harvesting to help minimize taxes.
THE PROCESS
When you are a Wealth Management client, the process for investment management is incorporated into our systematic six-step process for Wealth Management:
STEP 1: Get to know each other. We meet, get to know you and allow you to decide if our independent financial advisory is a good fit for your needs.
STEP 2: Establish a clear understanding of your goals and objectives. We have a frank conversation to determine what you want to achieve with your wealth.
STEP 3: Determine your risk profile. Through discussion and testing, we find out how much risk you would like (and need) in your portfolio to achieve your goals.
STEP 4: Establish your accounts. We create your accounts and transfer your investments.
STEP 5: Allocate your funds into the appropriate asset classes. Using the information we gathered earlier in the process, we implement our investment selections.
STEP 6: Develop your unique financial plan. We present a final version of your customized financial plan so that you're positioned to move forward.
Whether you are a Wealth Builder or Wealth Management client, our goal for you is the same: to provide fiduciary service that enables you to reach your goals for your life and wealth.
LET’S CHAT
Let’s see how we can help you achieve your financial goals.
Schedule a 15-minute discovery call.