Building Wealth Through Customized Investment Management and
Financial Planning
INDEPENDENT, FEE-ONLY, EXPERIENCED PORTFOLIO MANAGEMENT SERVICES
A B L E wealthmanagementsolutions is an independent, fee-only registered investment advisor providing customized portfolio management services. As a fee-only advisor, we have only your best interests in mind, unlike stockbrokers who may have a vested interest in the products sold. Because we do not work for security issuers, we can objectively advise our clients as security investors.
Using extensive research and sound investment principle, we strive to produce superior returns for our clients in a way that accords with their individual goals and risk tolerances. We do this by constructing a comprehensive investment strategy, using the appropriate combination of stocks, bonds and mutual funds for each client.
A CUSTOMIZED INVESTMENT APPROACH
A B L E analyzes your financial objectives, time horizons, liquidity needs, income requirements, tax status, current holdings, risk tolerance, particular preferences, and a host of other personal data. We then couple this analysis with the outlook for various sectors of the capital markets to develop a customized investment strategy designed to meet your particular objectives.
COMPREHENSIVE FINANCIAL PLANNING
A B L E wealthmanagementsolutions, LLC offers comprehensive financial planning tailored to your unique circumstances. We can propose strategies on retirement and educational planning, tax minimization, estate planning, and a wide range of goals and issues. Financial planning is available as a stand-alone service or can be integrated with our investment management services.
With years of experience and a passion for seeing our clients succeed, we employ a general three-part structure to investing.
We start by organizing your financial life. Once we have an understanding of your risk tolerance, we incorporate the current financial landscape into your road map. Finally, we make sure to continually monitor your progress as you work toward your goals.
SERVICES
We invite you to discover and experience the power of our services.
PRODUCTS and SERVICES
Financial Planning and Investment Strategy
Portfolio Management and Risk Analysis
Cash Flow Management
Retirement Planning
Estate and Trust Planning
Tax Management and Reporting
- Bonds
- Common Stock
- Mutual Funds
- ETF's
- Educational IRA
- Traditional IRA
- Roth IRA
- SEP IRA
- Simple IRA
- Brokerage Accounts
- Treasury Bills
- Government Securities
- Treasury Notes
.
STRATEGIES
We enjoy building trusted relationships that span generations.
PRUDENT STRATEGIES
Equity Investment Strategy:
Our equity investment approach is first to ensure that a client’s portfolio is diversified in a balanced fashion over the major industrial sectors. We then choose the specific equities for each industrial category by searching for those that appear inexpensive relative to their fundamentals.
Fixed Income Investment Strategy:
Our approach for investing in fixed income in a client’s tax sheltered accounts is to use high quality taxable fixed income securities, including US Treasuries, agencies, taxable municipals, and bond funds that invest in these securities.
Gradual Restructuring:
We typically recommend that our proposed restructuring be done gradually, perhaps over a three month period. This allows the client to avoid restructuring everything in what could turn out to be a top or inopportune time. We suggest that there be a specified day each month for changing a specified portion of the portfolio, to be as disciplined as possible.
Tax Implications:
We develop an analysis for a client of the tax implications upon restructuring the portfolios, and strive to minimize them.
PROCESS
Without any conflicts of interest we put your needs first.
INVESTMENT PROCESS
The most important determinant of returns and risk is asset allocation. Based on a thorough understanding of a client’s objectives, risk tolerance, and current circumstances, we develop for the client a customized equity allocation target. The analysis includes assessing the client’s liquidity needs, income requirements, tax status, current holdings, and particular preferences. Our goal is to lay the foundation for solid long term returns yet keep risk and volatility within reason.
Initial Meetings and Discovery
Initial meetings are designed to obtain a deep understanding of a client’s views on risk, investment approach and views on loss and investment purpose, who, what and why they are investing? During this initial stage of discovery, we focus on defining a client’s life priorities. Then we have clients complete an investor risk tolerance questionnaire designed to assist with identifying their true risk tolerance and time horizon.
Financial Planning and Analysis
Planning is arguably the most critical element of wealth management. During this step, we help clients establish individual and family objectives for education spending, cash flow management, tax and retirement planning. We assist clients with putting together a comprehensive inventory of financial resources so they understand their complete financial picture.
Portfolio Construction and On-Going Management.
The third and final step is recommending and implementing the investment portfolio with client-appropriate risk parameters. The process doesn’t end with portfolio implementation. As a fiduciary, we continue to monitor your portfolio and perform the following services, always putting your financial well-being first: Strategy selection, Asset Allocation Design, Portfolio Rebalancing, Tax-Loss Harvesing, Monitoring and Portfolio Maintenance.
APPROACH
WE MAKE THE COMPLEX SIMPLE
INVESTMENT APPROACH
Optimize Asset Allocation: To provide the appropriate balance for growth and stability, we work with our clients to develop an optimized allocation among stocks and other risk assets, bonds and other types of fixed income, and cash.
Prefer Direct Holdings to Funds: To reduce costs and provide greater control and transparency, we prefer direct holdings of securities as opposed to funds.
Manage Tax Consequences of Any Restructuring: We consider carefully the tax consequences of any restructuring of a client’s taxable accounts.
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