Wealth Management Solutions

Wealth Enhancement

• Determining an appropriate rate of savings toward achieving your goals in life. 
  
• Choosing where your next dollar should go (i.e. pay down debt vs. investing for future growth)
• Deciding which kinds of accounts are most advantageous based on your life situation (e.g. Roth IRA vs. Traditional IRA)
• Distribution planning — attempting to minimize the impact of taxes as you use your wealth to realize your goals.

Wealth & Risk Transfer

• Find and facilitate the most tax-efficient way to pass assets to succeeding generations, in a way that meets your wishes.
• Analyzing when to consider transferring risk to others, such as insurance companies.

Wealth Protection

• Protecting your wealth against potential creditors, litigants, children’s spouses, and potential ex-spouses.

Charitable Giving

• Help fulfill your charitable goals, coordinated with the three services above.
• Strategies could include Donor Advised Funds, Qualified Charitable Distributions, CRATs, CRUTs, etc.

Asset Allocation Strategy

• Our investment committee of 6 meets regularly (quarterly in calmer times, as often as necessary in volatile markets) and looks at the big picture, high-level areas that move markets:
  • Momentum, for near-term market-moving trends. 
  • Macroeconomic factors, to help us understand what areas of the market – and what countries – may be looking “cheap” relative to their long-term averages. 
  • Company fundamentals, to help drive our long-term view of specific companies, industries, and markets. 
• This is all distilled down to the following simple questions:
  • What are our top concerns looking down the road, and how might we mitigate them?
  • Where do we see opportunities, and how might we look to take advantage of those them?
    

Investment Strategy

• With the above information in hand, we then look at investment options that fit our outlook.
• We look at dozens of criteria to determine the investments that will make it into our model portfolios. 
• One of our top criteria is what’s known as “downside capture”. 
  • How much downside an investment has experienced in the past relative to its peers and to a benchmark that’s most closely related to the investment?
  • We believe that limiting downside in volatile markets is more important than worrying about trying to pick the top-performing investment in any category (chasing past performance).
    

Risk Evaluation

• Thoughtfully managing risk in a portfolio leads to better outcomes for our clients. 
• We use sophisticated software that assigns “risk numbers" to each investment in a portfolio, which provides:
  • A clear understanding of which investments are contributing the most risk to a portfolio, and
  • The ability to model changes to our portfolios and observe the effect on overall risk in real-time
    
• Matching a portfolio to a client’s risk tolerance, while also looking at the risk/reward characteristics of that portfolio in the current and expected market environment, helps investors stay focused on what matters, their lifetime financial planning goals.

Assessment of the Impact of Taxes

• We actively manage our clients’ portfolios and take advantage of tax-loss harvesting opportunities to minimize capital gains taxes. 
• We provide our clients with strategies to potentially reduce taxable income both now and during retirement.
  

Weiss Global Wealth Management and LPL Financial do not provide legal advice or tax services.  Please consult your legal or tax advisor regarding your specific situation.

Your Personal Chief Financial Officer (CFO)

• As your personal CFO, we are here to help you by providing advice and guidance in all aspects of your financial life. 
• Do you have questions about financial planning, college planning, retirement planning, etc.? 
• We’re here to act as your guide in planning for all these needs, and more.

Professional Network Relationship Management

• As the “quarterback,” we will integrate all the interrelated professions that can impact your financial and personal goals. 
• We’ll work seamlessly with your CPA, your estate or business attorney, your property and casualty agent, and any other outside professionals in your life to make sure everyone is making informed decisions that will come together to provide you with the most comprehensive advice possible.