INVESTMENT MANAGEMENT OR ADVISEMENT
Plan investments Well
Where your accounts are matters when you are getting overcharged or paying unnecessary expenses or costs! With technology these days, you can have a simplified and efficient investment plan costomized to what matches your situation best at a fair price. If you want advice and or management at a fair price, you get that and a personal guide here at PlanWell. Vanguard, Charles Schwab, Fidelity, and Betterment are examples of great investment providers and service companies that can be coordinated together or maintained by you without a requirement to change where you keep them. We can help you manage, manage your investments for you, or both if your situation calls for it. Read on to learn more.
INVESTMENT MANAGEMENT
(WE MANAGE FOR YOU)
GOOD FOR YOU IF YOU:
Your plate is full and want investment management off of it
Want an efficient portfolio that aligns with your goals keeping more in it with low-cost investments and low-fee management
Want your portfolio/s to be strategic with taxes, aligned with your purpose for them, your time-horizon, your risk tolerance and diversification needs
Are paying too much in your investments or not being serviced appropriately
Are a trustee or the person responsible for finding or using a fiduciary and an efficient investment model that fits with the objectives of the trust or organization and it’s beneficiaries
INVESTMENT ADVISEMENT
(WE HELP YOU MANAGE)
GOOD FOR YOU IF YOU:
Are still working and desire to keep your retirement plan at your employer while coordinating it with other accounts
Hold assets elsewhere or prefer to and want to coordinate their allocation with other accounts or overall investment plan
Want ongoing advice on your investments while coordinating the allocation amongst multiple accounts and your investment plan
Do your own financial planning and trading or rebalancing but just want investment advice
This service is included with the Ongoing Financial Guidance service and may be coordinated with the Investment Management service.
Fee: Investment Management
Annually 0.80% (0.20%/Qtr.) of household investable assets under management up to a value of $800,000.
Fee is capped at $6,400/yr. on a value of $800,000.
This service can be separate from or in conjunction with the Ongoing Financial Guidance or Investment Advisement service. Fees for those services can be reduced when in conjunction with this service based on the level of enrollment in this service.
Fee: Investment Advisement
$90/qtr. - $360/qtr. based on complexity
This service is included with Ongoing Financial Guidance and may be separate, coordinated with, or added to the Investment Management service.
What are your investments for?
In most cases some level of financial planning is crucial to having a well constructed investment portfolio. After all, knowing and having a purpose and timeline for your investments is foundational in investment portfolio construction so we may encourage some level of financial planning before implementing your investment plan.
Our investment philosophy
Foundational attributes to our investment advice:
Purpose and objective – Define what the investment is for and what the goal is
Time horizon – Define when the investment, or portions of it, are needed
Risk tolerance and capacity – Respect wellbeing (sleep at night) while recognizing risks that can or should be taken
Allocation discipline – Plan for appropriate weightings and balance in asset classes or sectors
Diversification – Reduce risk and maximizing return through investment in multiple holdings and assets with different correlations
Expenses & Costs – Minimize expenses, costs, fees, and charges as much as possible to keep as much as possible in the portfolio so one can have more and do more
Taxes – Coordinate investments and improve efficiency by recognizing current and future tax implications, rules, ramifications, and structure
Strategy and selection – Coordinate the best structure, products, or services that fit the overall investment plan or financial plan
WE WORK EFFICIENTLY FOR YOU TO KEEP MORE IN YOUR POCKETS
We're on your side and feel ill from seeing the cost people pay for investment advice, most often without even knowing how much.
It's time to Plan Well!