Services

Your Plan

One of the largest challenges facing you as an investor is defining which portfolio gives you the best chance of achieving your long-term goals. Another challenge is dealing with your emotions. It is human nature to be fearful when you lose money and confident when you make money. Fear and confidence are emotions that could convince you to sell or buy at exactly the wrong time. The solution to both defining your portfolio and dealing with emotions is having a disciplined, long-term plan designed to meet your goals—your own plan to Independence.

Monte Carlo Analysis

We start by defining your needs, wishes, and plans—both for your money and for your life. We'll develop a strategy designed to align your portfolio with your personal objectives—for now and into the future.  Monte Carlo Analysis models thousands of ways in which returns can come in the market and helps show which portfolio is best suited to meet your goals.

Next, we'll develop your portfolio mix through rigorous research and objectivity, marrying the science of math with the art of understanding your goals. In the end, you will have a action plan that incorporates your return objectives, time horizon, liquidity needs, current cash flow, terminal value goals, and risk tolerance.

After understanding our clients’ objectives, our next priority is ensuring that our clients sleep at night. By maximizing your comfort with your portfolio, we believe we enhance its potential for success because confidence in your investment decisions allows you to stay on course during inevitable market cycles.  Exercising long-term discipline is essential for financial success.

Proactive Advice

We track changes in the tax, regulatory, and investment environment to make proactive decisions. Your long-term plan provides the baseline portfolio to meet your needs, but we proactively adjust that portfolio in an attempt to capture opportunities and/or avoid potential risks we see in the current market environment. 

We are intellectually honest and are often ask ourselves about our assumptions: “What if we’re wrong?” Using proprietary tools originally designed for Convergent clients, we'll project potential scenarios so you'll be able to see associated risks and returns before committing to them. Our portfolios are stress tested to evaluate unintended potential consequences, allowing us to work to mitigate the impact of this downside. Most importantly, we proactively suggest modifications as your goals change over time.