
Bob Woolf
1. WE AVOID COMPLICATED INVESTMENTS
Our rule of thumb is: If we can't readily explain what it is, we don't invest your money in it. That means no risky alternative investments. No illiquid investments. We value transparency and integrity. While always accounting for your specific risk tolerance, we ensure you know exactly how your wealth is allocated and working for you.
2. CASH FLOW (NOT WEALTH) IS QUALITY OF LIFE
Retirement is a much happier time when you have a positive cash flow versus a high net-worth. When it comes to managing your assets, we have one main priority: we want to give you a raise every year. Because retirement is all about quality of life and having the freedom to finally live out the vision you previously could only imagine.
3. TAX EFFICIENCY IS PARAMOUNT TO GROWING YOUR WEALTH
Many of our clients are in a high tax bracket. Managing tax exposure and properly utilizing all available tax minimization strategies throughout the year is paramount to growing your wealth. We routinely review our clients' portfolios for opportunities to lower their taxes for the current and future tax years. (i.e. Roth Conversions, Tax Loss Harvesting, etc.)
4. LONG-TERM PERSPECTIVE
In the beginning years of retirement, people tend to spend. They buy the things they've been dreaming about during their working years. But they also tend to fill their newly found free time reading every economic headline that comes out. With this combo of spending and worrying, it's not unusual for recent retirees to make bad investment decisions. We know this; that's why we help you lead a prudent and confident financial life, ensuring emotion does not derail your plans.
5. REGULAR CLIENT CONTACT IN HUMAN TERMS
We enjoy working very closely with clients and connecting with them on a frequent, proactive basis. Throughout the year, we suggest four review calls and two tax planning calls at a minimum. We are mindful of clients' busy schedules and are here to help organize their wealth planning. We take ownership in providing ideas and financial tools to help simplify their lives. We value our deep client relationships and consider many of our clients family. Our approach isn't based on a textbook. Instead of talking abstractly about market trends and economic indicators, we're going to make numbers real for you and explain how they relate to your personal situation.