HERE IS WHAT WE DO:
- DEFINE YOUR GOALS
- REVIEW YOUR ASSETS
- ANALYZE YOUR NEEDS
- PROVIDE RECOMMENDATIONS
- MANAGE YOUR PORTFOLIO
- MONITOR AND TRACK YOUR PROGRESS ONLINE
- WORK WITH YOU TO REFINE AND REVISE ALONG THE WAY
FINANCIAL PLANNING – Financial planning can be messy and overwhelming. We help busy and successful people simplify and organize their financial lives. We work with clients to sort out complicated financial situations and develop a living, breathing roadmap to help them meet their financial goals. We collaborate with our clients to help them develop a comprehensive, personalized financial plan based on their situation and needs. We focus on what can be controlled and work to help you achieve all of your financial wants and needs. At its core, financial planning is connecting your money to your life. [READ MORE HERE]
WEALTH MANAGEMENT – Our investment approach is based on asset allocation and Modern Portfolio Theory. The core tenet is disciplined diversification with regular rebalancing. At The Financial Coaching Group, we follow this theory and typically use low-cost, tax-efficient exchange-traded funds and/or mutual funds. We keep investment costs low and harvest tax-losses when appropriate. We do not recommend complicated, non-transparent, highly leveraged investments with commissions. We always provide transparency of fees and disclose any potential conflicts of interest.
We cannot predict, influence or control the financial markets, nor will we insult your intelligence by insinuating that we can. We don’t try to time the markets, engage in short-term, speculative trading or give hot tips. People interested in those kinds of advisors will be disappointed with us. [READ MORE HERE]
BEHAVIORAL COACHING – Our brains are hard-wired to react first and think second. Reacting first and thinking later is a disadvantage to investors. When we see that our account values have declined or we hear the latest media-driven, end-of-the-world hysteria, we want to sell immediately. As a result, the average investor typically underperforms their own investments. Computers and financial algorithm websites won’t improve your behavior.
So, how do you respond to market volatility? Do you want to buy when the market is soaring and sell when it’s falling? Do you spend too much relative to your resources? We not only help you set realistic expectations for the volatility of your portfolio, but we serve as a guide when you need reassurance to stay the course. Volatility is a common, albeit, uncomfortable part of investing. Understanding the normal range of positive and negative returns for your portfolio helps you manage your reactions better. [READ MORE HERE]
PROTECTION PLANNING – Have you ever had a conversation about insurance or annuities with with an insurance sales person? All they want to do is sell you a product, make a commission and then you never hear from them again for 5 – 10 year.
What is Life Insurance and Annuities really for? What is the proper amount to have? We’ll walk you through and help answer these questions and similar ones about long-term care insurance, disability coverage, life insurance, healthcare, flexible spending plans, and liability coverage. We sell insurance as part of an overall comprehensive financial plan. We can help you understand your needs and your coverage options. We analyze and evaluate your life, disability and long-term care insurance needs and help you determine if you have enough, too much or the right types.