A Note From Our Founder
Wealth Management and investing can seem challenging and scary to many people. There is so much jargon and information available that it can be difficult to understand what to make of it all.
Our commitment to our clients is that we will help keep you focused on your financial goals and objectives in addition to helping you navigate the financial markets. There undoubtedly will be future market downturns and we will be the voice of reason helping keep your plan on track when this happens.
The following is our Wealth Management Philosophy and provides insight into how we guide our clients along their financial journey.
-Benjamin Hooper, CFP®
Education
We prioritize continuous financial education to empower informed decision-making. Understanding financial markets, investment vehicles, and economic principles is crucial for effective wealth management.
Stewardship
We approach wealth as a resource to be managed responsibly. This involves setting clear financial goals, creating a cash flow strategy, and ensuring that resources are allocated efficiently to achieve long-term objectives.
Diversification
We diversify investments across different asset classes to reduce risk. A well-diversified portfolio can help protect against market volatility and potentially increase returns over time.
Total Return Investing
We aim for a balanced investment approach that considers both capital appreciation and income generation. Total return strategies involve assessing various return sources such as dividends, interest, and capital gains.
Long-Term Perspective
We adopt a long-term focus (5+ years) to ride out market fluctuations. Patience and discipline are key to benefiting from the compounding effect of returns and achieving financial goals over time. We believe that money allocated for short-term goals should not be invested in the market.
Portfolio Monitoring & Rebalancing
We conduct regular reviews of your investment portfolio to ensure alignment with financial goals and risk tolerance. Rebalancing helps maintain the desired asset allocation and optimize performance.
Risk Management
We advise on insurance considerations as a key component of risk management to protect your assets and mitigate potential financial losses. We help you determine appropriate coverage, ensuring that unforeseen events do not derail financial goals.
Tax Efficiency
We incorporate tax planning into your wealth management strategy. We utilize tax-advantaged accounts, consider the tax implications of investment decisions, and implement strategies to minimize tax liabilities.
Adaptability & Flexibility
We stay adaptable and open to changing circumstances and new information. Be willing to adjust your strategy in response to shifts in the market, personal circumstances, or evolving financial goals.
Legacy Planning & Philanthropy
We plan for the transfer of wealth to future generations and consider charitable goals. Effective estate planning and charitable giving can create a lasting impact and reflect personal values and priorities.
Behavioral Coaching
We recognize the impact of emotions and cognitive biases on financial decision-making. Behavioral coaching helps you stay disciplined, avoid common investment mistakes, and maintain a rational approach to wealth management.
Commitment to Service
We provide high-quality, personalized service to meet the unique needs and goals of each client. Building strong relationships and maintaining open communication are essential for effective wealth management. We intentionally limit the number of clients we work with to maintain high-quality service.
Integrity & Transparency
We are fiduciaries, upholding the highest standards of integrity and transparency in all financial dealings, ensuring that our clients' interests are prioritized and that decisions are made ethically.
Personal Financial Planning
We believe in developing a comprehensive personal financial plan that aligns with your life goals and circumstances. This plan should address cash flow planning, saving, investing, debt management, insurance planning, estate planning, tax planning and retirement planning, providing a clear roadmap for financial success.
Collaboration and Communication
We foster a collaborative relationship with clients through open and ongoing communication. We actively listen to your needs and preferences, involve you in the decision-making processes, and ensure you understand the various financial strategies. In addition, we coordinate with your other professionals such as CPAs and attorneys.