The Capital Advisory Group
1. Current, Up-to-Date, Personalized Plans
Every client can benefit from a financial plan we collaboratively develop and maintain. Prospective clients receive a complimentary comprehensive plan, allowing us to understand how we can best support their goals. To create a customized investment policy, we consider individual goals, resources, risk tolerance, and desired returns. This plan serves as the cornerstone of our regular meetings, where we monitor progress and adapt to changes in both personal circumstances and the broader economy.
Our Personalized Planning Process covers essential aspects of financial health, ensuring you know answers to questions like:
- Is your income plan in place, and are your savings adequate?
- Are your risk tolerance and asset mix aligned with market realities?
- Do you have the right insurance coverage and an up-to-date estate plan?
- Are your beneficiaries informed about your financial arrangements?
Once the plan is in place, we provide ongoing personalized advice, updating it at least annually.
2. Enhanced Retirement Income Post-Expenses
We focus on increasing after-tax income and reducing expenses to enhance retirement enjoyment. We believe in the importance of living off returns from a portion of retirement income and offer strategies, to eliminate debt and improve cash flow.
We manage tax strategies proactively by reviewing each client’s tax situation before year-end to identify opportunities for tax-efficient management, including loss harvesting.
3. Risk-Aligned Investment Management
We monitor client portfolios carefully, considering market conditions, performance changes, and individual financial changes. Our approach to managing investments emphasizes the importance of protecting assets in down markets, with asset allocations based on potential returns and downside risk tolerance.
We aim to keep fees and costs low, using individual stocks, mutual funds, and exchange-traded funds. By applying various investment models, we aim to increase risk only when appropriate and protect assets during market pullbacks.
Stock investing includes risks, including fluctuating prices and loss of principal. Investing in mutual funds involves risk, including possible loss of principal. Fund value will fluctuate with market conditions and it may not achieve its investment objective.
ETFs trade like stocks, are subject to investment risk, fluctuate in market value, and may trade at prices above or below the ETF's net asset value (NAV). Upon redemption, the value of fund shares may be worth more or less than their original cost. ETFs carry additional risks such as not being diversified, possible trading halts, and index tracking errors.
4. Estate Planning
Clients can receive essential estate documents, such as trusts. This service is also available for clients’ children and parents, providing family-wide support.
LPL Financial Representatives offer access to Trust Services through The Private Trust Company N.A., an affiliate of LPL Financial.
5. Accessible Advisors and Account Access
We recognize that financial questions don’t always fit into a 9-5 schedule. Hence, our clients have direct cell phone access to their financial advisor for support when convenient.
