BRANDING: MULTIGENERATIONAL FINANCIAL PLANNING
{Apollo Creed to Rocky Balboa} "Too bad we have to grow old Stallion." That's the cold harsh reality of life. We all grow old and eventually pass on. That is why I make a concerted effort to emphasize financial planning over several generations. My desire in helping clients create wealth is that they can create a legacy. That their children and even grandchildren can also become investors. In the end, a lasting legacy can continue.
ANOTHER TRUE LIFE STORY
Learning From A Client
George H. became one of my first valued clients. Over dozens of years we sat in his home, with his wife Mary, and discussed investments and planning. Fortunately his children and in-laws also became clients. After about 12 years of working with him , he made an insightful observation. "I believe most of the mutual funds UNDER PERFORM the market indices such as the S & P 500." I cautiously agreed with him and did my own research. While I could not analyze over 9,000 actively managed funds, I did an analysis of a few of the big names in the investment world. And is true. Many did under perform. Which brings me to the point of this post. I do a careful and in-depth report on each fund I recommend to clients.
This includes obviously the performance of a fund over different time periods to ensure it does outperform the S & P 500. I also take into consideration risk factors. I compare the BETA of a fund and strive to have it lower risk than the average bechmark. I factor in the Standard Deviation to see if we can lower the risk in that area. I pay close attention to the expense ratio because that bites into the performance of a fund. Lastly, I place each investment according to it's STYLE and SIZE; meaning is it Value or growth and is it Large Cap, Mid Cap or Small cap.
In the end, I place this in a report given to each client. The process here is that the client can make not only an informed decision but feel comfortable about his investment decision.
SPECIAL NOTICE
Due to the COVID-19 pandemic and because we are passionate about creating a written financial plan for you and your family, we are unconditionally offering to write an individualized plan at no charge! All we need is for you to complete a financial inventory. We can complete this plan by either the phone or digitally. Out of respect of social distancing, there is no requirement to meet. Call 518 377 3245 or email rfowler@americanportfolios.com There are no further obligations!
YOUR QUOTES OF THE MONTH FOR MEDITATION
"Success requires no explanation, Failure permits no alibis" Napolean Hill
"Do not let the fear of striking out get in your way." Babe Ruth
"I have learned that your mind can amaze your body if you just keep telling yourself, I can do it...I can do it...I can do it."
Jon Erickson
"You have to expect things of yourself before you can do them." Michael Jordan
"Nothing is impossible, the word itself says I'm possible!" Audrey Hepburn
NEW FEATURE: BOOK OF THE MONTH
TALENT IS OVERRATED By Geoff Colvin
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HOW WE OFFER UNIQUE OPPORTUNITIES
Other advisors talk about specific products. I listen to your life story; what you value, your dreams and aspirations for your life and your family. I want to connect in a meaningful way; one that improves the quality of your life and not simply with investments. Here are two examples which make my firm unique.
RISK MANAGEMENT
We face many risks everyday: the threat of inflation, increasing taxes, loss in your savings from market volatility, auto accidents, identity theft, lawsuits, loss of a business, and even the loss of your income to name only a few. I help by not only transferring these risks but in some instances minimizing them or even outright eliminating them. Visit the "About Us" tab on the top tool bar for more information.
REDUCING YOUR TAXES
I work with your most trusted CPA advisors to minimize your tax burden; in some ways by up to 40 percent. Of course we consider your IRA or 401(k) plans but we also significantly lower the taxes you pay Uncle Sam through new,emerging IRS approved plans. Many of our clients have benefited by shifting from taxable investments to tax-deferred and even tax-free holdings that are free from both federal and state taxes.
Please visit our Resource Center (top toolbar) where you will find an abundant supply of videos, flipbooks, assorted articles and even calculators to help you achieve your financial dreams.
Be sure to visit us soon as we frequently update this site. Thank you for your visit and we look forward to partner with you in your quest for financial success.