Your money needs to be invested to achieve the result you seek and be available when you want to use it. That’s where we come in.
We start by building your investment roadmap based on your statement of intent, core values, and understanding what total financial independence looks like for you. Your roadmap outlines how you use your assets to reach total financial independence.
Based on your unique plan, existing asset structure, and liquidity needs, we build individual strategies to generate the outcomes you want.
We never go bust, and always stay in the game
We stay focused on the investment strategy game
Greed and fear based transactions are seldom profitable
We manage your liquidity needs and adapt as they change
If you are paying a premium for a strategy, we believe it needs to carry an information or access advantage
We believe that investing decisions should be based on objective data, not subjective emotion or 'gut feelings'. Decisions based on emotion tend to lead to negative outcomes.
Financial markets are constantly evolving, so we are ready to adjust to changes in opportunities
Be a Force for Good
We believe in investing in the right things and look for positive ways to help you with your investing
Your Planning Roadmap
While most other advisors focus outside the business, we dig in. This is typically your largest investment and primary income source. We help maximize the benefit you have worked so hard to create.
The things that matter most to you require allocation from your core resources: time, energy, attention, and capital. Being clear about your priorities and reassessing as they change means that your core resources are always connected to what matters most.
The goal of a properly managed liquidity structure is to ensure assets are available for known expenses and a range of unexpected needs. Often, entrepreneurs hold far more cash on their personal balance sheet than they actually need. You have a business that has challenges and opportunities, both of which sometimes require injections of personal capital. Understanding the proper place to source that capital allows you to hold less cash, use more of your money for things that matter to you today, and still achieve the business success you are working toward.
When we calculate your base case for available assets over time we not only look at your cash and cash equivalents, but also at liquid investments and revolving lines of credit.
Your business is your biggest asset, your primary income driver, and the biggest emotional commitment outside your family, which is why we have to put it at the center of your wealth structure.
Your valuation report gives us a range of values based on the unique characteristics of your business and we use the median value to track changes over time. Equally important is the breakdown of the specific value components that add or subtract to your current valuation.
Each investment you make should be clear in its purpose and the rules around it. Reviewing the timeframe, return expectations, liquidity needs, risk considerations, and costs should be done frequently and returns analyzed over appropriate timeframes.
Staying focused on rules, reviewing information on returns, and using data to make decisions about future allocations takes an emotional process and allows the focus to stay on processes instead of short term outcomes.
Adding new capital to existing strategies and funding new strategies is solely done to support your current goals and is reflective of your available capital for investment.
Most often we are simply building on your existing system to continue adding capital to strategies to get you where you want to be, on time or ahead of schedule. But when priorities shift, we need to pause and make sure that your decisions about where to use your resources are still going where they need to.
A great tax plan balances tax efficiency and operational efficiency. Your plan should ensure that capital is available for the things that actually matter with a structure designed to keep your tax bill to a minimum. We work closely with your tax team to ensure that everyone is aware of known or expected income, potential large cash flow events, current tax mitigation strategies in use, and how these tie together with your short and long-term goals.
Debt and insurance are living tools that can be continually shaped to your needs. Debt allows you to expand, take on new opportunities, and acquire new assets. Insurance helps to mitigate specific types of risk that are high impact, low probability events. Both create opportunities for continual refinement. As interest rates, asset prices, and cash flows change, your debt utilization should also change. We review all of your personal debt structures regularly to find opportunities to optimize. Expectations of future cash flow needs, exposure to new types of risks, and the breakdown of assets you own all influence your insurance needs.
Both create opportunities for continual refinement. As interest rates, asset prices, and cash flows change, your debt utilization should also change. We review all of your personal debt structures regularly to find opportunities to optimize. Expectations of future cash flow needs, exposure to new types of risks, and the breakdown of assets you own all influence your insurance needs.
What happens to your business if the worst happens to you or those that matter most? Your business continuity plan ensures that your business is set up for success no matter the circumstance. It ensures that your equity is fairly valued and that there is a funding source for your loved ones.
With an eye on the future, we consistently reevaluate your continuity plan based on up to date valuations. Think of it as your “in-case of emergencies” box in the garage. The thing you’re happy you have, but hopefully never have to use. We stay vigilant and look to the future, planning for the circumstances we all don’t want to think about.
Wealth provides opportunities to impact those around us. As an entrepreneur, your impact is widely felt by the customers you serve, people you employ, and risks you take.
There is opportunity to expand your impact further through a combination of giving, gifting, and investing. We’ll help you set personal and professional targets and make decisions each year with your goals in mind.
We’re all working towards an end-of-business ownership event, whether it’s an external sale, an internal succession, or a transition to your family through an estate plan. Whichever path you hope to take, the change will arrive someday and it’s integral to have a strategy in place for when it hits.