Wealth Management

Investing in the market is a difficult process. Over time, a stock’s performance will fluctuate. If preventing losses is your main goal (which we think it should be), you need to do your homework and make the right investments in the right stocks at the right times. We believe it would be best to work with a financial advisor who takes an “active” approach to money management in order to accomplish this. In this way, we might be able to help you.

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Active Vs. Passive Money Management

“Passive” money management is not the same as “active” money management. If your investments are passively managed, it indicates that no one is monitoring and overseeing them. This might work over time, but as you approach retirement, the risk that this approach comes with may become too much to handle. In contrast, active money management involves receiving guidance from a financial advisor on investments with the goal of preventing losses and increasing your long-term success.

Annual "Financial Checkups"

We meet clients at yearly meetings, where we examine their financial situation, their goals, the effectiveness of their current retirement strategy, and possible areas for improvement. The solution might not be as easy as just selling you something and walking away, because your circumstances can change over time. For this reason, we take the time to stay in touch with clients and ensure that everything is working as it should.

How can you tell whether your present retirement strategy is still benefitting you? There are multiple things that may impact your investments over the course of a year. Thankfully, we may be able to help you stay on course. A few changes that could happen include:

Your asset allocation may be out-of-balance
Your portfolio may not be as diversified as you think
Your financial goals may have changed
Or, your life situation could’ve unexpectedly changed
Laws also change: For example, changes in tax law happen frequently