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A Modern Approach to Financial Planning
You can think of the Elements scorecard like your vital signs at a doctor's office: they help us both see how you're doing financially and where we should focus our effort to help you progress toward your goals.
These measurements help answer questions like:
How does it work?
Our investment philosophy is based on three principles:
We believe the lower the costs of investments, the greater share of an investment’s return an investor can capture. We prioritize low-cost options, as historically, they have outperformed high-cost alternatives. By constructing investment portfolios using low-cost index funds, we bolster the success rate of our clients' portfolios while reducing unnecessary risk.
While holding investments for decades might not be practical for most investors, we build porfolios with low turnover. Each time and investent is bought or sold, costs are incurred, including transaction fees, taxes, and hiden costs like bid-ask spreads. These costs erode invetment returns. To optimize returns and mitigate taxes, we intentionally select investments with low turnover.
Not all investments are equally valuable. Just because an investment option exists does not necessarily make it suitable. Our investment strategy focuses on asset classes that have been proven through academic research to offer superior risk-adjusted returns. Furthermore, we emphasize the importance of investing in asset classes that work well together within a diversified portfolio, exhibiting low or negative correlation. For instance, while corporate bonds may behave similarly to stocks during catastrophic events, they do not provide the desired diversification for most investors.
Appropriate Asset Classes
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As a fiduciaries, our primary responsibility is to make investment decisions in your best interest. This means disregarding daily headlines and instead adhering to evidence-based solutions that stand the test of time.
Taxes are an essential part of your financial life, and effective tax planning can make a significant difference in your financial well-being. We offer personalized tax planning services to help you optimize your tax situation and keep more of your hard-earned money.
Our personal tax planning includes:
Income Tax Optimization -
Analyze your income sources and deductions to reduce your tax burden..
Investment Tax Planning -
Make tax-smart investment decisions for better returns.
Estate Tax Planning -
Protect your assets and family legacy with efficient estate planning.
Retirement Tax Strategies -
Ensure a comfortable retirement while minimizing tax implications.
Equity Compensation Tax Planning -
Develop a plan for stock options to minimize income and capital gains tax.
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We take a personalized approach to understand your unique financial situation and goals. Our goal is to develop a tax plan that aligns with your objectives and maximizes your financial potential. Download a sample of our Annual Tax Return Analysis
Getting Killed On Taxes?
Do you earn a substantial income?
Interested in discovering effective tax-saving strategies?
This checklist offers 20 tips you can use right now to reduce your taxes!