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| Additional information |
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| Cloud Family Wealth Management |
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Overview:
Family wealth management involves taking a long look at your objectives, your family relationships, your charitable inclinations and gifting strategies, and your life insurance needs. We know that designing an estate and gift plan is an important part of your legacy to your family, friends, business associates and favorite charities. We will help you find the right plan for you and your family.
Our process starts with a comprehensive wealth planning session. No one strategy is right for everyone. We will sit down with you so we can understand your current situation and your hopes for the future. This is not always an easy process, and — as we all know — plans and priorities can change.
Our desire is to learn your ultimate goals, values and expectations. We know that investment decisions should not be made in a vacuum. Any and all recommendations we provide will be based upon your expectations, risk tolerance, and long term objectives. Periodic reviews will be necessary as life situations change, and we will always be available to help you with traditional as well as special needs.
Philosophy and Principles
Our investment philosophy is based on principles that include:
Getting to know you, your family, and your financial interests so we can tailor our recommendations to best suit your specific situation, expectations, timetables, and goals.
Using asset allocation and style diversification to help you maximize returns while managing risks based on tolerance and preference.
Helping you make decisions based on rational judgment rather than emotions (this is harder than it may sound!).
Advising you as a fully independent party, being transparent, and taking the time to ensure you understand the realities of the past, present and future investment climate and the impact that your financial decisions can have on your wealth.
Recognizing the importance of long-term investing and staying fully invested during both ebbs and flows in the market.
Resisting temptations to “follow the herd” which tends to follow “hot leads,” buy high, sell low, and/or make investments based on widespread market and investment media “news.”
Putting all investment plans in writing.
Providing regular updates and performance reports, offering high-quality service, and always staying on top of market trends and opportunities (including alternative investment options and life insurance opportunities).
Collaborating with your full team of professionals, including CPA, attorney, banker, insurance provider, mortgage dealer, etc.
Serving your best interests at all times.
Three-Step Investment Process
Our process starts with getting to know you — your values, your priorities, your dreams, and your circumstances — and earning your trust so we can develop a long-term relationship. We want you to have a clear financial picture that pinpoints your goals. We will serve as your financial life consultants, making changes when and if needed to your investment portfolio and assisting you with anything else that could impact your wealth. In general terms, our three-step process includes:
Providing You with a Tailored Investment Strategy Recommendation. We’ll provide you with a written report which outlines our investment strategy recommendations based on your objectives, risk tolerance, priorities, lifestyle expectations, and other important factors. We will then finalize a highly-tailored strategy based on your feedback until you are happy with our recommendations.
Implementing the Agreed-Upon Asset Allocation Strategy. This includes completing and signing all necessary forms, obtaining signatures as needed and compliance approvals, and then carefully reviewing the strategy to ensure everything is in order based on your confirmation and approval.
Monitoring the Progress and Recommending Adjustments and Rebalances as Needed. We will provide ongoing review and maintenance of your investment strategies to help ensure optimal performance and continued alignment with your goals and values. We’ll analyze your investments, review liability and risk management, and explore new and emerging opportunities. You will receive summary reports detailing portfolio activity and are available to meet with you whenever you have questions, concerns, or changes you want to discuss with us.
No matter how much planning you try to do, life changes and needs change — “financial bumps” that — whether good or bad — can feel like a threat to your financial security. Examples include:
“Once in a lifetime” opportunity for your child (learning abroad, travel teams, etc.)
Unexpected illness or medical needs for immediate family or parents/older generation
Unanticipated home repairs (water leak, broken appliances, )
Automobile troubles or accident
Natural disasters
We will help you through life’s important decisions and remind you of your realistic lifestyle and life goals so you are confident that you are doing what’s best for you and your family. Welcome to Cloud Family Wealth Management. We will work hard to preserve, protect, and grow your wealth. We want you to sleep well and be worry-free about your financial health! |
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