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Services Provided

How we help your financial picture

Each client presents us with unique financial circumstances. Our integrated approach to delivering personalized financial planning with investment management addresses this core need.

Why this is important in selecting a financial advisor…

We do not separate financial planning from investment management. We believe that investment decisions should be made in the context of your specific goals. We work with you to articulate your financial goals (college planning, retirement, endowment, other) in a dynamic, fluctuating market. After conducting a thorough analysis of your financials, we present, monitor, update, and help you implement a detailed plan specifically designed to help you achieve your goals. Our financial planning services include: college planning: (e.g. 529 plans, Coverdell ESA, etc.) and retirement planning (traditional IRA, Roth IRA, IRA rollover, SEP IRA, 401k, 403b, etc.)

Financial Planning

Most high net worth individuals lack a clear, cohesive plan for achieving financial goals. Our first step is to define your financial goals and objectives. we conduct an assessment review with you by completing a risk questionnaire and having a candid discussion. Next, we develop your personalized written financial plan that provides a detailed review of your current financial situation and financial goals, and recommended strategies to best achieve your goals.

During this process we can address estate or legacy financial goals, if requested. This encompasses a review of existing life, health, and long-term care insurance coverage, survivor needs and potential estate taxes (note: client selected insurance agent and attorney are responsible for final estate planning, structure and document preparation).

Investment Management

An investment portfolio is designed around your goals and needs. The steps in the investment management process are:

  • define investor objectives, constraints, preferences and risk tolerance
  • develop investment policy statement
  • design proper asset allocation
  • select the funds/securities for the portfolio
  • monitor portfolio and adjust as needed

We develop an investment management strategy that best matches your goals with investment time horizon and risk tolerance. the objective will be to attain your financial goals while minimizing risk.

We place particular emphasis on risk management, which is the cornerstone of our investment process and a part of each phase of the investment management process. Our disciplined approach includes, but is not limited to, diversifying asset mix (e.g. equity vs. fixed income), style (e.g. growth vs. value), and capitalization (e.g. small vs. large cap). At the individual security level, diversification is critical. accordingly, we assess potentially low cost basis concentrated positions, developing appropriate diversification, liquidity, and hedging strategies.

We do not actively trade accounts nor attempt to “time the market.” Rather, allocations are actively monitored and adjusted to provide consistent and appropriate balance of risk and return. Finally, SNWA primarily utilizes Schwab’s institutional investment platform that provides trading, research, and custody. In addition, Schwab provides its advisor’s clients no-load access to many well known load fund families, including American Funds.

If you’d like additional information about any of our services and meet our minimum threshold for investments, please contact us by phone at 630-793-9642 or via our email.

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