At our Globus, we understand the unique financial planning needs of individuals like yourself. We have designed a comprehensive 6-step process that focuses on wealth preservation, growth, and income generation while minimizing risks and tax liabilities. Our goal is to help you optimize your assets, achieve your financial objectives, and secure your financial future. Here’s an overview of our process:
Investment Advisory
Our investment advisory service provides personalized financial planning and portfolio management to help you achieve your long-term financial goals.
A 6-Step Approach to Financial Planning
Understanding Your Financial Goals and Objectives
Our first priority is to gain a deep understanding of your financial situation, including your income, assets, liabilities, and current investments. We take the time to discuss your short-term and long-term financial goals, risk tolerance, and any specific preferences or constraints you may have. This personalized approach allows us to tailor our recommendations to your unique needs.
1
Creating a Personalized
Financial Plan
Based on our assessment, we develop a comprehensive financial plan that outlines a clear path for you to reach your goals. This plan includes strategies for wealth preservation, growth, and income generation, as well as a timeline for achieving specific milestones. It serves as a roadmap for your financial journey, ensuring that every decision we make aligns with your objectives.
2
Diversifying Investments
To mitigate risk and ensure a more stable return on investment, we diversify your investment portfolio by allocating assets across various investment classes, such as equities, fixed income, and alternative investments. This diversification helps to safeguard your wealth from market volatility and enhances the potential for long-term growth.
3
Tax-Efficient Investing
We understand the importance of maximizing your after-tax returns. Our team implements tax-efficient investment strategies designed to minimize your tax liability. This may involve utilizing tax-advantaged accounts, strategically realizing capital gains and losses, and investing in tax-efficient securities. By doing so, we help you retain more of your hard-earned wealth.
4
Risk Management
and Insurance
Protecting your wealth is just as important as growing it. We evaluate your current insurance coverage to ensure you have adequate protection against unforeseen events, such as disability, critical illness, or premature death. If needed, we’ll adjust your insurance policies and incorporate risk management strategies within your investment portfolio.
5
Regular Monitoring
and Adjustments
Globus Capital Advisors prioritizes stable income for clients nearing retirement. We use dividend-paying stocks, bonds, and annuities to ensure cash flow throughout retirement. Personalized investment solutions provide a secure and comfortable retirement.
6
We take great pride in providing our clients with personalized, comprehensive financial planning services. By following these 6 steps, we can help you build a solid financial foundation, achieve your goals, and enjoy the peace of mind that comes with knowing your wealth is being managed effectively. We look forward to partnering with you on your financial journey.
Frequently Asked Questions
What does the financial planning process involve?
The financial planning process involves assessing your current financial situation, identifying your financial goals, developing a personalized financial plan, implementing the plan, and regularly monitoring and adjusting the plan.
What is portfolio management?
Portfolio management is the professional management of a client’s investment portfolio, which involves creating and managing portfolios tailored to clients’ risk profiles, financial objectives, and time horizons.
What is asset allocation?
Asset allocation is the process of dividing a portfolio among different asset classes, such as stocks, bonds, and cash, based on the client’s risk tolerance and investment objectives.
How does an investment advisor select securities for a portfolio?
Investment advisors conduct research and analysis to identify specific investments that align with the portfolio’s asset allocation and overall investment strategy. This may involve selecting individual stocks or bonds, or choosing mutual funds or ETFs that represent specific sectors, industries, or investment themes.
How does an investment advisor monitor and adjust a portfolio?
Investment advisors regularly monitor a portfolio’s performance and make adjustments as needed, such as rebalancing the asset allocation or replacing underperforming investments. They also provide clients with regular performance reports to keep them informed about their investments and progress toward their financial goals.
These are just a few common questions and answers about Investment Advisory. If you have more specific questions, it’s always best to consult with your Globus Capital advisor who can guide you through the process.
