We want to maintain our lifestyle and live with dignity and independence. We don’t want to worry about the day-to-day movements of the stock market.
We invest in equities, equity funds and electronically traded funds (ETFs) in the US, developed countries and emerging markets. Equity investing provides you and your loved ones many benefits:
Investing in the USA and internationally.
We may choose to invest directly in equities in addition to mutual funds and ETFs. We believe the right way to invest is to diversify by strategy. When we choose equities, we want to complement our other investment strategies. Learn more about our investment philosophy.
Some investors have personal attachment to a particular equity. Perhaps this was a company where they worked for many years. Perhaps it was their father’s or mother’s company. Perhaps it is a company where they have experienced great financial success and thus, they feel a natural affinity. We can work with an investor to mitigate the risks of concentrated equity.
Some investors have large capital gains in a single, or several, equities and we sometimes build portfolios around these positions. For more information, see Single Stock Diversification. We want our clients to be secure as well as financially successful.
As Helen approached her 90s, she knew her money would outlast her life on earth. Her oldest grandchildren were having children. Her youngest grandchildren were approaching college age. Helen wanted to provide them a college education, and she didn’t mind saving taxes either. But she wanted to do something fair to help all the different generations, and also give a little more to those who needed a little more. We:
Discussed fairness, and what it means to Helen, and helped her feel confident in her decision
Set up education accounts and trusts
Funded them in a manner that helped Helen save on taxes
Kept things simple and elegant
Managed the assets prudently
Helen recently passed away. She is remembered by her family for her elegance, prudence and generosity. Her children, grandchildren and great-grandchildren are all a little better off, financially and otherwise, because of her good decisions.
Uncle James passed away a few years after becoming our client. Because James never had children, he left the assets in trust for his three nieces. While the children grew up, we managed the investments and their father kept their inheritance a secret. When they were college-bound, James’ nieces received a pleasant surprise—college was free, thanks to Uncle James! We:
Set up and help James fund the trusts, making it easy for James
Managed the investments prudently with Uncle James’ goals in mind, making it easy for the trustee
Managed and reduced tax costs
The accounts continued to grow, even after paying for college. James’ oldest niece was able to pay for a wedding and make a down payment on her first home. Uncle James’ generosity will be forever remembered by this family.
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