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What do you receive from The Total Financial Plan?
The combination of advice, and our support to implement the plan
to achieve your goals!
Financial planning and Asset management are not one-time events,
so we manage them together as integrated processes at Resolute Financial.
The passage of time causes all financial and investment plans to
be periodically revised. Our goal is to keep your plans relevant
and updated, saving you time and money. Investment management has
a cost, but the difference is that we add continuous financial planning
services and implementation support to provide true value as follows:
Financial Planning Services
Life events will affect any financial plan and require continuing
discussions together. Updating your plan is part of The Total Financial
Plan program so there are no additional charges for our services.
We stand ready to support you as you encounter life events, and
we provide insight into areas that are complex and not well understood,
such as:
- Cash flow changes with the resulting tax implications
Job changes / benefits changes
Refinancing a home or investment property
Financing education expenses
Family changes (births, divorce, death/bequests)
Unexpected medical costs
Managing Retirement cash flow
Tax code revisions affecting your deductions and payments.
- Asset changes
Buying or selling a home or investment property
Buying or selling a business (ask us about financing approaches)
Stock options
Retirement funding, IRA rollovers, pension distributions
Advisory services prior to purchasing annuities or insurance
Inheritances
- Estate and Insurance issues
Moving or relocating to a different state
Updating homeowners insurance / umbrella insurance
Auto insurance coverage – young drivers
Disability and long term care insurance
Beneficiary changes
Life insurance: Evaluating needs, reviewing policies
Trusts – Income, distributions, grantor considerations
Asset Management Services
Investing is a long-term process which involves
a systematic approach. Our philosophy is to create a portfolio that
matches your risk tolerance, revising the portfolio when it is appropriate,
and not attempting to catch last year’s great investment.
Furthermore, we help you establish your core positions and
re-balance them per your investment time horizon, minimizing
bad timing which is the most common problem for individual investors.
Our process involves:
- Asset Class Selection: We review market conditions,
to identify those that have become excessively risky. In a simple
example, the current yield curve gives us data for selecting asset
classes within Fixed Income/Bond categories.
- Client needs or changes: Have income needs
changed? Cash flow changes? Have there been changes affecting
the need for tax-exempt vs. taxable investments?
- Worldwide Market Review: Equity, Bond, Currencies,
and Commodities. Data compilations from many primary sources are
used for this review. We appraise asset class correlation data,
noting that the values change over time.
- Investment Selection: What changes should be
made to the portfolio? Has the asset class performance caused
a need to re-balance the portfolio? What will be the tax impact
for capital gains and losses? Have the selections satisfied our
fiduciary measurements?
- Post-Review issues: We provide ongoing asset
management so you can reap the benefit of our expertise.
We put your interests first™
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