If the Rivers Way sounds like a better way, maybe we should start a conversation.
Services
Financial Planning
We take a holistic, solutions-oriented approach to financial planning that factors in our clients’ values and goals. We consider all elements of your financial landscape. We encourage a team approach, working with your existing legal and tax professionals, or making introductions if necessary.
Retirement Planning
Preparation is critical. We are here to put plans in place to answer questions like:
“How much will I need to retire?”
“Am I saving enough?”
“When can I retire?”
“How much income will my assets generate?”
“What is a good withdrawal strategy?”
Investment Planning
We make getting to know our clients and building authentic relationships a priority because we know it allows us to identify your values, beliefs and goals so we can build expert portfolios that meet your individual expectations.
Legacy Planning
Whether it’s through practical assistance, emotional support, or providing valuable knowledge and expertise, we go above and beyond to forge relationships that run deep. Because when we understand what matters to you, we can help you leave an enduring legacy.
Our Investment strategy
Three Pillars of our Investment Strategy
“We have to get risk right. If we have any hope of getting anything else right, we have to get risk right. And we have to get risk right, first.”
Part 1: Risk Management
It all starts with RISK.
We focus on getting risk right. Most advisors try to sell performance. To attract a client, they talk about how much more they can make than the other guy. I spend more time talking about risk. How much risk is acceptable to you? How much risk is in the market right now? How do we mitigate that risk? How much risk are the managers taking?
Risk comes at you from three different directions.
1. How much risk are you personally comfortable with?
2. How much risk is currently present in the market?
3. How much risk is actually in your portfolio as a whole and in each of its investments?
We use specialized tools to assess all three, so we can align your plan with the right level of risk, and measure these risks on an ongoing basis.
Part 2: Active Portfolio Management.
Buy and Review
An old Wall Street adage says that “it’s time in the market, not timing the market.” While we agree that patience is a necessary virtue in investing, we do NOT believe in buy and hold. We believe in buying and putting that purchase decision under further review. As Ned Davis points out in his book, Being Right or Making Money, even the brightest minds in the business sometimes buy a stock that does not act like they thought it would. When that happens, you may need to be humble, admit the mistake, and move on. That’s not timing the market. That’s wisdom.
Be Disciplined
Through our relationship with Sowell Management, we have access to hundreds of investment managers. The ones we choose to work with have a data-driven discipline that dictates what to buy, what to sell, what to hold, and what to avoid. When they buy a security, they have an exit plan.
Part 3: YOU
You are the most important component of our investment strategy! First, we listen. Then, we strive to match you with the risk (fluctuation) level that you can stay with and match you with the investment strategy that best fits you.
Understanding you shapes everything we build for you. Are there values to which you hold fast? Do you have any restrictions – securities you want us to avoid? What overall goals would you like to accomplish? Anything specific, with a specific time frame?
When we spend this much time and effort on you, you may find yourself feeling better than you ever have about who you are, where you want to be, and how you’re going to get there.
Command those who are rich in this present world not to be arrogant nor to put their hope in wealth, which is so uncertain, but to put their hope in God, who richly provides us with everything for our enjoyment. Command them to do good, to be rich in good deeds, and to be generous and willing to share. In this way they will lay up treasure for themselves as a firm foundation for the coming age, so that they may take hold of the life that is truly life.
1 Timothy 6:17-19 NIV