The path to financial success can include challenges
and plenty of twists and turns.

Having a plan is the best way to stay on course to reach your destination.

At Colwyn Investments, we develop thorough, customized financial plans based on our clients’ unique situations and goals.

Multi-dimensional Plans

Our financial plans are as multi-dimensional to meet your needs, and to draw on our expertise in areas including:
  • Investments
  • Retirement
  • Risk Management & Insurance
  • Education
  • Estate Planning
  • Employee Benefits
  • Stock Options
  • Major Purchase
  • Business Planning
  • Major Life Events
  • Cash Flow & Budgeting
  • Debt Service

Targeted Financial Consulting

Targeted guidance is available to clients facing a particular challenge or who prefer a less formal approach than comprehensive financial planning.

Periodic Monitoring & Review

Change is a fact of life.  Our financial plan reviews help clients to remain on course through changes in goals, needs and circumstances.  Colwyn also helps clients implement recommendations–coordinating the selection of attorneys, insurance agents, and other professionals, for example.  This service helps our clients cut through what can be a complicated and time-consuming process.

Financial Planning

A good financial, comprehensive, plan shows where you are today and compares it to where you want to be. It helps you utilize your resources more effectively, identifying potential shortfalls and surpluses, and it helps you develop strategies for reaching your multiple planning goals.

Financial planning can serve as a solid foundation as you look to the future, facing, for instance:

  • The effect of inflation on your retirement savings
  • The rising cost of education
  • Market uncertainties
  • Changing tax laws

Your Financial Advisor Analyzes:

Financial Goals

Investment Risk

Situational Updates

Estate Planning

Ongoing Reviews

Even if you already have an estate plan, you should review it with your advisor in the event of:

  • Marriage
  • The birth of a child or grandchild
  • A significant change in your net worth (stock option vesting or inheritance)
  • Changes in financial objectives (such as early retirement)
  • The purchase or sale of a house or family business
  • Divorce
  • Death of a spouse or beneficiary
  • Changes in the tax laws

Four of the most important reasons you need an estate plan:

  • To control who manages and receives your assets at your death.
  • To minimize administrative expenses and legal fees.
  • To transfer a greater share of your assets to your heirs and favored charities/causes.
  • To protect your heirs by providing them with wealth management continuity throughout your lifetime and beyond.

Federal estate taxes aside, state estate taxes and other expenses associated with death may still apply.

College Planning

Planning for Your Children’s Education

For many parents, paying for college is a significant challenge. Time is short and the costs are high, with average college costs typically rising faster than inflation.

Difficult or not, you need to start planning:

Your COLWYN Financial Advisor can help you determine what your savings target should be based on projected costs, and then recommend appropriate investment strategies.

Gifts of Educational Expenses:

These gifts are unlimited as long as you make a direct payment to the educational institution for tuition only. Books, supplies and living expenses do not qualify.

Education Funding Solutions:

With the rising costs of education, many families face a challenge in paying education expenses for their children. To help them plan for this financial challenge, we offer families two savings choices:

  • 529 College Savings Plan
  • Coverdell Education Savings Accounts (Formerly known as Education IRAs)

The Colwyn Way

When one of our financial advisors helps you formulate your financial plan, no products or services are mentionedYou receive personalized guidance and valuable financial information – Then you decide when and how to proceed!
Let’s create your financial plan
Your approach to building wealth should be built around your goals & values.

Just what is “comprehensive financial planning?” As you invest and save for retirement, you will no doubt hear or read about it – but what does that phrase really mean? Just what does comprehensive financial planning entail, and why do knowledgeable investors request this kind of approach?

While the phrase may seem ambiguous to some, it can be simply defined.

Comprehensive financial planning is about building wealth through a process, not a product.
Financial products are everywhere, and simply putting money into an investment is not a gateway to getting rich, nor a solution to your financial issues.

Comprehensive financial planning is holistic. It is about more than “money”. A comprehensive financial plan is not only built around your goals, but also around your core values. What matters most to you in life? How does your wealth relate to that? What should your wealth help you accomplish? What could it accomplish for others?

Comprehensive financial planning considers the entirety of your financial life. Your assets, your liabilities, your taxes, your income, your business – these aspects of your financial life are never isolated from each other. Occasionally or frequently, they interrelate. Comprehensive financial planning recognizes this interrelation and takes a systematic, integrated approach toward improving your financial situation.

Comprehensive financial planning is long-range. It presents a strategy for the accumulation, maintenance and eventual distribution of your wealth, in a written plan to be implemented and fine-tuned over time.

What makes this kind of planning so necessary? If you aim to build and preserve wealth, you must play “defense” as well as “offense.” Too many people see building wealth only in terms of investing – you invest, you “make money,” and that is how you become rich.

That is only a small part of the story. The rich carefully plan to minimize their taxes and debts, and adjust their wealth accumulation and wealth preservation tactics in accordance with their personal risk tolerance and changing market climates.

Basing decisions on a plan prevents destructive behaviors when markets turn unstable. Impulsive decision-making is what leads many investors to buy high and sell low. Buying and selling in reaction to short-term volatility is a day trading mentality. On the whole, investors lose ground by buying and selling too actively. The Boston-based investment research firm Dalbar found that from 1994-2013, the average retail investor earned 5% a year compared to the 9% average return for U.S. equities – and chasing the return would be a major reason for that difference. A comprehensive financial plan – and its long-range vision – helps to discourage this sort of behavior. At the same time, the plan – and the financial advisor who helped create it – can encourage the investor to stay the course.

A comprehensive financial plan is a collaboration & results in an ongoing relationship. Since the plan is goal-based and values-rooted, both the investor and the financial advisor involved have spent considerable time on its articulation. There are shared responsibilities between them. Trust strengthens as they live up to and follow through on those responsibilities. That continuing engagement promotes commitment and a view of success.

Think of a comprehensive financial plan as your compass. Accordingly, the financial advisor who works with you to craft and refine the plan can serve as your navigator on the journey toward your goals.

The plan provides not only direction, but also an integrated strategy to try and better your overall financial life over time. As the years go by, this approach may do more than “make money” for you – it may help you to build and retain lifelong wealth.

The information found on this website is not intended to be used as the sole basis of any investment, tax, or retirement decisions.  The information found should be considered for educational use only.  Our information provided is prepared for general circulation and has been prepared without regard to any one individual’s financial circumstances and objectives of persons who receive or obtain access to it. Our information is presented on sources that we believe to be reliable. However, we do not make any representation or warranty, expressed or implied, as to the accuracy of our research, the completeness, or correctness or make any guarantee or other promise as to any results that may be obtained from using our information, nor any other person, shall have any liability whatsoever to any person for any loss or expense, whether direct, indirect, consequential, incidental or otherwise, arising from or relating in any way to any use of or reliance on our information contained therein. Some discussions contain forward looking statements which are based on current expectations and differences can be expected. All of our information, including the estimates, opinions and information contained therein, reflects our judgment as of the publication or other dissemination date of the research and is subject to change without notice. Further, we expressly disclaim any responsibility to update such research. Past performance is not a guarantee of future results. No one receiving or accessing our materials should make any investment decision without first consulting a competent financial advisor and conducting his or her own research and due diligence, including carefully reviewing any applicable prospectuses, press releases, reports and other public filings of any investment being considered. None of the information presented should be construed as an offer to sell or buy any particular investment or product. As always, use your best judgment when investing. This information should not be construed as investment advice. All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy.  If other expert assistance is needed, the reader is advised to engage the services of a competent professional. Please consult your Financial Advisor for further information. All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. Please note – investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is not a solicitation or a recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment. The Dow Jones Industrial Average is a price-weighted index of 30 actively traded blue-chip stocks. The NASDAQ Composite Index is an unmanaged, market-weighted index of all over-the-counter common stocks traded on the National Association of Securities Dealers Automated Quotation System. The Standard & Poor’s 500 (S&P 500) is an unmanaged group of securities considered to be representative of the stock market in general. It is not possible to invest directly in an index. NYSE Group, Inc. (NYSE:NYX) operates two securities exchanges: the New York Stock Exchange (the “NYSE”) and NYSE Arca (formerly known as the Archipelago Exchange, or ArcaEx®, and the Pacific Exchange). NYSE Group is a leading provider of securities listing, trading and market data products and services. The New York Mercantile Exchange, Inc. (NYMEX) is the world’s largest physical commodity futures exchange and the preeminent trading forum for energy and precious metals, with trading conducted through two divisions – the NYMEX Division, home to the energy, platinum, and palladium markets, and the COMEX Division, on which all other metals trade. Additional risks are associated with international investing, such as currency fluctuations, political and economic instability and differences in accounting standards. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This material was prepared by Colwyn Investments. Colwyn offers investment advisory services and is an independent, fee-based, Registered Investment Advisor firm providing wealth management services for individuals and small businesses, financial planning services, retirement plan consulting for small businesses as well as financial Advisor services for individuals and businesses.  Colwyn Investments is located at 10923 South Redwood Road, South Jordan Utah 84095 and they can be reached at 801-254-0084.