What we do
Embark on a journey to financial freedom and empowerment.
Engage with clear, straightforward, transparent, and comprehensive financial planning processes that put you in control of your financial future.
About
Values-Based Portfolio Management
Actively managed portfolios that are designed to your specific needs.
Value-based Portfolio Management is an approach to managing portfolio assets according to your values. It also means basing your investment model on your goals and objectives – rather than arbitrary external factors.
As financial advisors, we create a partnership built on trust where we prioritize your unique financial needs, crafting actively managed portfolios grounded in the fundamental principles of investing: asset allocation, diversification, and risk management.
Our flexible and comprehensive financial planning approach ensures that the opportunities we present align with what you truly want and need.
Investing is quite simple when you have the right partner. This is how our process works:
Call
First, you schedule a 30-minute call with us based on your availability.
Meeting
During our meeting, we listen to your goals and concerns, understand your expenses, and create a comprehensive analysis of your current financial situation.
Your Options
We walk you across the financial options, going through the degree of risk you are comfortable with and leveraging the benefits of each option.
FPFR
With this information, we create your Financial Planning Foundations Roadmap and present you with a no-obligation forecast and financial plan.
Agreement
The next step is to sign an advisory agreement, an account application with Charles Schwab, and authorization to create your account on their portal.
With this, you are ready to go!
Ours is an ever-growing relationship, so we regularly meet to keep aligned and follow your growth, adapting to your needs and interests as they change.
Retirement Planning
Envision your life in 10, 20, or 30 years from now. How would it look? What activities would fill your days? What elements would contribute to your happiness?
The future might feel distant, but the earlier you start laying its base, the more choices you can make to live it on your terms.
Our job? Equipping you with the tools and knowledge to embark on a clear path towards a secure retirement. Using our financial planning foundation approach, we assist you in defining your goals, gauging your current retirement readiness, and crafting comprehensive financial planning options. We address pivotal questions about social security, tax planning, estate planning, savings, and investment, ensuring you’re well-equipped for the golden years ahead.
Legacy Planning
A Legacy is more than mere wealth distribution: it is about the impact we leave on the world and those surrounding us. Leaving a legacy encompasses the values, love, and support that define your relationships and the tools you provide for future generations’ success.
While money isn’t the only way to leave a legacy, it is a crucial tool to help your family progress and create space for meaningful causes. Comprehensive financial planning enables you to thoughtfully determine how your finances will contribute to the world, ensuring that the wealth you’ve accumulated positively impacts the lives of those you cherish and brings you peace of mind.
Our approach encompasses the acronym LEGACY developed by Scott Marsh, professor and financial educator at Brigham Young University and the Scott Marsh Education Institute:
L (Longevity): Plan for extended lifespans, ensuring structures and programs that endure.
E (Endowment mindset): Adopt the principle of spending only on growth, preserving the principal gift.
G (Giving): Establish foundations or funds that resonate with your values, making a tangible difference.
A (Ancestry): Influence future generations by preserving your life experiences, values, and learnings.
C (Communication): Enhance communication during and after your lifetime, inspiring and educating future generations.
Y (Yield): Monitor and optimize the yield of your investments, ensuring they align with your desired outcomes.
Transform your wealth into a legacy that benefits and inspires generations to come.
Investing From the Inside Out
If you want to achieve your life goals and secure your assets but don’t know where to begin, questioning yourself can be a good start.
Why is money important to you? What would you do if you had all the money you wanted? What are the values that power your decisions and anchor your life?
These and other questions can help you pave the road to a more financially sound future and take the first step toward values-based investing.
Find the why behind what you are doing and better understand your relationship with money with the help of this easy-to-follow workbook.
Created to assist you in linking your investments with your life, this resource is an integral part of comprehensive financial planning. It’s designed to help you identify and act on what matters most, ensuring your financial strategies align with your personal goals and values.
FAQ
Frequently Asked Questions
A Registered Investment Advisor (RIA) is a professional advisory firm that offers clients personalized, comprehensive financial planning advice.
Many independent RIAs work with complex portfolios and address unique needs that require a highly customized level of investment management strategy and consultation.
RIA firms are registered with the Securities and Exchange Commission or state securities regulators, are subject to the Investment Advisers Act of 1940, and have a fiduciary duty to act in the best interest of their clients. Registration does not mean a government agency approves an advisor or reviews their qualifications.
A fiduciary is someone who acts on behalf of another person or organization, prioritizing the client’s interests above their own. The process involves managing finances and carries a legal and ethical responsibility to act in the other party’s best interests. Examples of people with fiduciary duties include financial advisors, money managers, bankers, insurance agents, accountants, executors, board members, and corporate officers.
5 Key benefits of Independent registered investment advisors are:
- Get advice based on what’s best for you. Whether it’s your retirement planning, tax situation, estate planning, or assets at multiple places, it’s fundamentally vital that your advisor truly understands you, your goals, and your situation. Many independent registered investment advisors (RIAs) are in a position to do that and pride themselves on strong personal interaction with their clients and dedication to their needs. They believe their independence is crucial in offering investment advice based on what’s best for their clients.
- Understand exactly what you’re paying for. Independent RIAs typically charge a fee based on a percentage of total assets managed. This fee structure may have advantages. It’s simple and easy to understand, helping to avoid surprises. It also incentivizes your advisor to grow your assets—when you succeed, your advisor succeeds.
- Get advice for your complex needs. Many independent RIAs provide services that address a variety of complex investment needs that often arise when you accumulate significant wealth, such as assisting you with the sale of a business, complicated tax situations, trusts, and intergenerational issues. Some advisors are specialists in specific investment strategies. Others can assist you with comprehensive financial planning services like estate planning or borrowing. Given the rich diversity of specialization throughout the industry, no matter how complex your individual needs, you will likely find an independent RIA who can provide advice that’s right for you.
- Enjoy a different kind of relationship. The goal of an RIA is to help find solutions that are closely aligned with client needs and objectives, and many independent RIAs enjoy a deep, personal relationship with their clients. This process often takes regular, ongoing interactions. And because many independent RIAs are entrepreneurial business owners, the buck stops with them, and they frequently have a strong sense of personal accountability to their clients.
- Know where your money is held. RIAs typically use institutional custodians—generally large brokerage firms or banks—to preserve and safeguard their clients’ stocks, mutual funds, and other assets. These custodians also provide essential infrastructure services such as executing trades and preparing monthly client brokerage statements. These elements help an RIA focus on understanding your needs and providing the best advice possible. In our case, we work with Charles Schwab.
Portfolio Management Services are performed on a discretionary or non-discretionary basis, Colwyn Investments LC. charges a management fee based on a percentage of assets under management. The percentage of assets charged per year (annum) is listed by assets level:
- Under $100,000, 2 percent per year.
- $100,001 to $500,000, 1.75 percent per year.
- Above $500,001, 1.5 percent per year.
Diversification is spreading your portfolio around through different asset classes. This process can help control your exposure to certain risks and returns. Although there are many different approaches to diversification, you should ensure you are comfortable with the baskets you choose.
There are several things you could do. You could leave it as it is, roll it over to your new 401k, or roll it to an individual IRA account. Ensure you understand the rules and analyze both sides of each option.
