INVESTMENT CONSULTING

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We believe that wealth alone does not create a meaningful life — connecting your wealth with something bigger does.  That is where the financial plan shines.  And the means to create your meaningful life?  That is the mission of investment consulting.  Achieving your someday depends on the successful integration of your financial plan with your investment strategy.

INVESTMENT CONSULTING OVERVIEW

Once we have completed the financial planning process and analyzed your current financial situation, know your specific objectives, and run through the various “what if” scenarios, we create a strategy for investing your assets designed to protect and grow your wealth in accordance with your goals, values and vision.

INVESTMENT PORTFOLIO DESIGN

We assess your current and future assets and liabilities, review your income sources and expenses and understand your tax circumstances.

*This has likely been completed as part of the financial planning process. 

We discuss your short- and long-term financial goals and objectives.  Goals need to be clearly defined and quantified so that any gaps between the current investment strategy and the stated goals are identified.

*This has likely been completed as part of the financial planning process. 

We determine your necessary return targets with the goal of achieving your objectives with the least amount of risk.  We develop an asset allocation that balances your time horizon, risk tolerance and stated goals and quantify the probability of success.

The culmination of this step is the Investment Policy Statement.

We take a multi-dimensional approach to portfolio construction, combining different asset classes, geographic regions, and investment styles.

We ensure that the strategy is achieving the stated objectives, confirm that the individual investments are performing to expectation and measure and evaluate the portfolio performance versus indexes and peer groups.

We review stated objectives, evaluate market conditions and make changes to portfolio or strategy if warranted to reflect changes in the market environment or client circumstances.

WHAT WE PROVIDE

  • Development of a customized Investment Policy Statement that aligns with your financial goals
  • Asset allocation unique to your time horizon, risk tolerance and stated goals
  • Strategic placement of assets across accounts to optimize tax efficiency
  • Low-cost, low-fee institutional money management
  • Rebalancing with tax loss harvesting
  • Consolidated portfolio performance statements
  • Full integration with your financial plan

OUR INVESTMENT PHILOSOPHY

We acknowledge and take seriously our responsibilities as trusted stewards of your wealth.  We manage your wealth as if it were our own. The most important outcome of an investment strategy is achieving your goals.  That is why we focus first on minimizing risk, then on maximizing return.  We believe that successful investing is goal-focused and planning-driven, as opposed to market-focused and performance-driven.  We customize your portfolio and manage your assets in a way that is best suited for you and your needs and goals.  Whether you are looking to preserve your wealth, grow your wealth or take income, we adhere to these fundamental beliefs:
  • Investing is a means to an end – building, managing, and monitoring low-cost portfolios designed to reliably achieve your financial goals is our priority, not outperforming arbitrary market benchmarks.
  • Markets are efficient and attempts to “beat” the market – whether through stock picking, manager selection, or market timing – are highly unlikely to succeed and are costly.
  • Strategic allocation between equities (for growth) and fixed income (to reduce portfolio volatility) based on your time horizon, risk tolerance and stated goals.
  • Diversify broadly across asset classes and geographies to minimize risk and capture market returns.
  • Rebalance systematically based on asset allocation and avoid attempts to time the market.
  • Low-cost, tax conscious, passive investment methodology implemented using low-cost mutual funds, exchange traded funds (ETFs) and index funds when appropriate.

Avoid Market Timing

No one knows which market segments will outperform from year to year as is evidenced in the chart below.  A globally diversified portfolio is well positioned to seek returns wherever they occur.

Source: “Pursuing a Better Investment Experience.”  Dimensional Fund Advisors.

SPECIFIC FOCUS ON BEHAVIORAL FINANCE

Many people struggle to separate their often powerful emotions from investing.  Markets go up and down.  Reacting to current market conditions and daily headlines can lead to erratic and poor investment decisions.  This response can be especially prevalent during periods of transition.  Additionally, certain behavioral biases, such as anchoring, loss aversion and hindsight bias, can impede optimal investment decision making.

At Someday Advisors, we offer behavioral finance coaching to ensure you stick to your investment plan regardless of market turbulence, daily news cycle or personal circumstances and biases.  For further discussion, visit our relationship cultivation page here.

SPECIFIC FOCUS ON BEHAVIORAL FINANCE

Many people struggle to separate their often powerful emotions from investing.  Markets go up and down.  Reacting to current market conditions and daily headlines can lead to erratic and poor investment decisions.  This response can be especially prevalent during periods of transition.  Additionally, certain behavioral biases, such as anchoring, loss aversion and hindsight bias, can impede optimal investment decision making.

At Someday Advisors, we offer behavioral finance coaching to ensure you stick to your investment plan regardless of market turbulence, daily news cycle or personal circumstances and biases.  For further discussion, visit our relationship cultivation page here.

SPECIFIC FOCUS ON BEHAVIORAL FINANCE

Many people struggle to separate their often powerful emotions from investing.  Markets go up and down.  Reacting to current market conditions and daily headlines can lead to erratic and poor investment decisions.  This response can be especially prevalent during periods of transition.  Additionally, certain behavioral biases, such as anchoring, loss aversion and hindsight bias, can impede optimal investment decision making.

At Someday Advisors, we offer behavioral finance coaching to ensure you stick to your investment plan regardless of market turbulence, daily news cycle or personal circumstances and biases.  For further discussion, visit our relationship cultivation page here.

OUR APPROACH TO INVESTMENT CONSULTING

Our investment consulting process is designed to create the highest probability of reaching your goals by taking the guesswork out of investment management, and instead, employing an evidence-based, disciplined approach that mitigates the impact of poor investment decisions.
LEARN ABOUT OUR PROCESS

EVIDENCE-BASED

Our approach focuses on market efficiency and asset allocation, not market timing, manager selection or stock picking.  We believe the best results are achieved with a goal-focused and planning-driven approach.

DISCIPLINED MANAGEMENT

Emotions, especially fear, cause many investors to buy high and sell low, often derailing a well-planned long-term strategy.  Disciplined investment consulting is designed to withstand market dips and swings.

BEYOND THE NUMBERS

We help you understand the negative impact various factors, including upbringing, heuristics and financial biases, can have on the investing strategy and ultimately the outcome of the financial plan.

OTHER SERVICES

FINANCIAL
PLANNING

Live the life you desire both now and in the future by partnering with us to design a plan for your finances rooted in your goals, values and vision.

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RELATIONSHIP
CULTIVATION

Achieve optimal outcomes through a trusted relationship built on our understanding of behavior finance and commitment to compassionate communication.

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PROJECT BASED
FINANCIAL PLANNING

Meet with a CERTIFIED FINANCIAL PLANNER™ professional to get guidance on your highest-priority questions without a full commitment.

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READY TO TAKE THE FIRST STEP?

We look forward to meeting you and hearing how we can help you.

CONTACT US