We believe that our approach to wealth management should be as hard-working as our clients and reflect their zest for life, passions, and purposes.
Do what you love... outsource the rest.
A financial plan sets the course; ongoing guidance and portfolio management keep you headed in the right direction. We believe that life should be enjoyed without the burden of financial uncertainty, and that our clients’ time is better spent pursuing their passions and purposes. As business owners, we’ve come to believe in the adage of “do what you love and outsource the rest.” We believe in being our clients’ outsourced Chief Investment Officers.
From a numerical perspective, working with a comprehensive financial advisor (not just someone who invests your money) can add the equivalent of 3% additional return per year¹ and help investors achieve a 22.6% higher level of spending in retirement.²
Sources:
1. Vanguard, “Putting a value on your value: Quantifying Vanguard Advisor’s Alpha,” 2016
2. Morningstar, “Alpha, Beta, and Now… Gamma,” 2013
Our Blog Posts
Join us as we share our thoughts on planning, the markets, and other bits of research that spark our curiosity.
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These posts are for educational purposes only, and are not to be construed as an offer to sell, or the solicitation of an offer to buy, securities. We often display hypothetical results based on backtests. The results of our simulations should not be relied upon for predicting future performance and is not a guarantee of actual performance.
Navigating the military-to-civilian transition
Last week, we asked our LinkedIn network what financial questions were keeping them up at night. While we received a nice collection of topics via email that will provide fodder for future posts, we received one that was particularly relevant after a personal...
Military: SGLI and SOES Beneficiary Designations
SERVICEMEMBERS’ GROUP LIFE INSURANCE (SGLI) Beneficiary Designation If you are a military member with SGLI, please take a moment to read this public service announcement. Last week I spoke with an Air Force squadron commander about SOES (SGLI Online Enrollment...
Traditional vs. Roth IRA: Which is Best?
As you might know, Brandon and I are former fighter pilots. Brandon flew the F-16 and I flew the F-15E during our service in the Air Force. We each have an affection for the specific aircraft we flew, but if you were to ask us which fighter is “best,” our honest...
S Corps vs C Corps: The Alphabet Soup of Business
All corporations start out as C Corporations. To create a corporation, you need to file articles of incorporation with the secretary of state (department of state) in the state where you want to create it. The articles of incorporation include the corporation’s basic...
Real estate investments: The cap rate
When evaluating potential income producing real estate investments, you should consider a property’s capitalization rate, also known as the “cap rate.” What is a cap rate? It is a figure representing an investment’s rate of return. A property’s cap rate also gives you...
The TWS DIY Financial Plan Part 5 – Your Investments
After a decent hiatus (but one that brought some other interesting blog posts), we want to return to the DIY financial plan with an installment on investments. Here’s the catch: We can’t provide investment advice here on the blog. But we can provide general...
Entrepreneurs and Opportunity Cost: A Practical Example
Two things happened recently that motivated me to write about the opportunity costs associated with running a business. First, my fifth grader received her results from the state-level exams last year and while glancing through the Social Studies concepts, I noticed...
How to skin a CRAT (and other remainder trusts)
I'll admit that I struggled with the title -- surely there's a better pun to be used here, but it eludes me. In all seriousness though, a Charitable Remainder Trust (CRT) can be a powerful financial planning tool, especially when certain tax and estate scenarios are...
Don’t Leave Your 401(k) Behind.
This week we've been helping a client roll an old 401(k) into her new plan with her current employer. In case you need a refresher, there are four options for your 401(k) -- or other qualified plan -- that you have when you leave a job: Leave it in the old company's...
The TWS DIY Financial Plan Part 4 – Debt, Insurance, and Your Estate
Welcome back to the Targeted Wealth Solutions series on building your own financial plan. This is part 4 in the series and you’re in the home stretch. If you missed prior installments please feel free to check our previous blog posts at...
Crushing variable income woes with math
That's right. Math. Here's the deal: If you're an independent contractor or freelancer (no matter part-time or full-time), you've probably had some headaches over irregular income. The good news is that you can improve your budgeting and cash flow management...
The TWS DIY Financial Plan Part 3 – The One Pager
I have a 2000 Toyota Tacoma. It may be the best thing since sliced bread (unless you ask my wife, who I have a feeling rolls her eyes behind my back as I exhaustively list the virtues of the truck). The top coat is fading or completely missing in some spots --...
Investment advisory services are offered through Targeted Wealth Solutions, LLC, a registered investment adviser offering advisory services in the State of Colorado and other jurisdictions where registered or exempted. Registration as an investment adviser does not imply a certain level of skill or training.