At Together Planning, our goal is to help our clients eliminate the cloud of uncertainty that follows most people with respect to their money. To that end, we empower our clients with knowledge and transparency about their investments. From the beginning, the process is designed to help you understand how you are invested, what your risks are, how your portfolio is expected to perform, and what the costs are. We take time to get to know you, and make sure that we understand your goals, your risk tolerance, your time horizon, and your resources. Then we build a portfolio that will help you meet your objectives at a risk level that you are comfortable with, while minimizing costs. And we can show you all of this before you invest.
Before you decide to open an account with us, we will:
- Complete a Risk Assessment questionnaire with you to understand what level of risk you are comfortable with. We will ask you questions about your goals for the account and when you expect to use the money to gain an understanding of how your account fits into your overall financial picture.
- Employing our investment experience and progressive technology, we will evaluate your current portfolio. We will show you the level of risk, the historical and expected performance, and the costs in your current portfolio. For many of our clients, this process reveals that they are not invested how they thought they were—often people are surprised by how much risk is in their portfolio, and by how much they are paying in fees and expenses.
- If appropriate, we will develop a proposed portfolio and show you how it differs from your current portfolio in risk levels, expected returns, income, and expenses.
|Sample||Current Portfolio||Proposed Portfolio|
|2013 Bull Market||+30.6%||+27.7%|
|2008 Bear Market||-40.0%||-30.1%|
Once you decide to invest with us, we monitor your accounts regularly, making modifications and recommendations when necessary. We use Morningstar, Schwab and TD Ameritrade research tools, as well as, analyst reports, SEC filings, investor presentations and earnings calls to evaluate performance and forecasts.
We will formally review your account with you annually, and compare actual results to what was forecast at the outset. We will update you on market conditions that may be affecting performance, or that may have changed the risk level in the account. As our clients move through their investment time horizon, we will recommend adjustments to holdings to reduce volatility as they get closer to actually using investment assets for their intended purpose, such as retirement funding.
Whether your goal is growth, capital preservation, income, or some combination of these things, Together Planning can help you accomplish your goals by bringing transparency to your investments, designing a portfolio of smart, low-cost investments that will help you meet your objectives, and monitoring the progress to keep you on track.
Socially Responsible Investing
Investors have begun to seek opportunities to grow their money in ways that align with their personal values, and the industry has responded. Now over 20% of money invested in the United States is invested according to Socially Responsible Investing (SRI) principals. There are over 1,000 SRI funds to choose from across a wide array of investment and social objectives, and their sustainability ratings are accessible to us through Morningstar.
We work with our clients help them choose investments that reflect their values, whether it means a focus on environmentally responsible companies, avoiding certain controversial industries, investing in businesses with diverse leadership, or another objective. SRI options can make up a small part of your portfolio, or you can allocate your whole portfolio to investments that you feel good about.
Read more about Socially Responsible Investing here.