Compass Financial Consulting - Strategic Wealth Management

	FINANCIAL SVCS
	Financial Planning
		One-Time Financial Plan
		Coordinated Financial Planning Services
		Hourly Counsel
	Strategic Wealth Management
	Executive Planning
	Managing Money Presentation

Our Service Guide

Strategic Wealth Management

Fact: According to a study done by DALBAR Financial Services for the time period 1984 through 2002, the U.S. stock market, as measured by the S&P 500 Index, returned 12.22% while the average stock fund investor returned 2.57%.

This study equates to being told that the average ship traveling at 32 knots from New York to Miami will take 1 day and 6 hours, while the average ship passenger with the same itinerary will only travel at 10 knots and arrive in 4 days. How does that happen?

Many people move in and out of the market based on the hottest mutual fund list in the most recent copies of popular financial magazines or a stock tip received at the company Christmas party. Compass agrees with the great investor Warren Buffett who once said, "The best stock tip is the one you ignore." We help clients construct a well thought-out investment policy statement, which includes an asset allocation plan geared toward matching long-term goals with risk tolerance.

Through our experience in the investment arena, we have developed some core investment beliefs that are important to achieving financial goals:

We believe that the fundamental investment risk is not losing money, but outliving it.
We believe that volatility and market uncertainty are actually your best friends if you are immune to a panic and a buyer of long-term values.
We believe price fluctuations present the opportunity to buy wisely when prices fall sharply and to sell or give wisely when they advance.
We believe the future is never clear. A very high price is paid in the market for a cheery consensus. Uncertainty is actually a friend to the buyer of long-term values.
We believe investment decisions should be based on many qualitative factors, such as personal objectives, risk tolerance level, etc. These provide a solid foundation and starting point for the decision-making process.

As your investment advisor, we will help you devise and implement an investment strategy geared toward the accomplishment of your financial goals, taking into account your time horizon and risk tolerances. Once we have agreed upon the proper structure, we will implement and monitor the strategy through:

Coordinating the establishment of your investment accounts;
Placing all agreed upon equity trades and mutual fund purchases;
Reviewing of asset performances in a timely and diligent manner;
Rebalancing the portfolio to ensure proper allocations are maintained;
Reporting on your portfolio's performance;
Alerting and advising you on new investment opportunities; and
Revisiting your goals, investment strategy and portfolio allocation as your objectives, risk tolerance and/or time horizon changes.

If you would like to view our investment philosophy, click here for our overview presentation on managing money and investment principles.