investment advisory, risk & financial planning
1 ASSET MANAGMENT
Investments – Taxable: Individual, Jtwros, Trust, Custodial, 529, Corp entities.
Retirement – Individual IRA/Roth IRA; and rollovers from ESR plans.
Employer Sponsored Retirement Plans – PS/401(k), SEP-IRA, Simple-IRA.
Our primary goal is to provide the best risk-adjusted return for each client based on their parameters. We accomplish this by reviewing both written and verbal risk data, which includes, but is not limited to, time horizon, risk tolerance, age, projected retirement, financial position, annual income, and cash flow analysis. After discovery, review, design development, and a solutions meeting with the client, we move the engagement forward. SFG completes an investment policy statement; we design, construct, and implement the portfolio; and provide ongoing monitoring and review.
2 RISK MANAGEMENT
We provide comprehensive risk management services, including: life insurance, disability insurance, and individual/group insurance*.
SFG works with your tax advisor to review strategies to provide optimal tax loss harvesting, as well as income distribution, RMDs.
Life & Disability Insurance, Long Term Care (LTC), Individual & Group medical lines.
Fixed Index Annuities (FIA), Multi Yr Guarantee (MYG), Immediate (SPIA) /Deferred.
*Insurance through Brian L Spahr, CFP©, Resident Insurance Producer, Accident & Health, Life Only, CA DOI License#: 0C59068.
3 FINANCIAL PLANNING
We will help you to determine your general personal goals and assess your current financial position. Only after determining where you are, will we be able to establish a plan to help guide you. Our goal is to instill financial confidence and start a plan that works for you.
By designing a personalized plan, you will have a road map so you can arrive at your desired destination. Finances provide options for your specific situation and your life.
After determining your goals, establishing and implementing your plan, we remain your teammate to keep you on track. We review and modify your plan as needed. Our ultimate goal is to always match the best solution, based on all parameters, regardless of your specific life phase.
F.A.Q.
As a fiduciary with our clients, SFG always work in their best interest.
Wealth management is a core principle of healthy financial planning at SFG. We’ll help you create a plan designed to meet your goals as well as needs, with realistic strategies to enable your financial success in an investment-advisory role that is part financial planning and part portfolio management.
Whether you want help with your retirement planning, when you should begin receiving social security benefits, or how best to protect and grow your retirement to provide enough income, we can help.
We’ll create a personalized plan and review with annual updates to reflect any major life changes.
Our target goal is to work with individuals with $500,000 – $1m in investable assets, teaching them how to be good financial stewards of their lives. Ultimately, for the pre-high-net-worth clients, we hope that their behaviors, combined with our services, result in them having a strong financial position.
Our goal and desire is for clients to fully embrace our philosophy and process so we can dedicate resources to them. In addition, they would possess behavioral traits that result in a high probability of following the plan.
Financial Profile—$500,000 to $1 million of investable liquid assets.
Behavior Characteristics:
A. Goal-oriented.
B. Disciplined saver.
C. Demonstrates long-term thinking.
D. Open to advice.
SFG Advisor started in 2002, with the founder, Brian L Spahr, CFP©, providing unbiased professional advice since 1992 through a wide range of financial planning & wealth management services:
· Financial analysis – determine net worth, emergency fund, cash flow.
· Retirement planning – IRA/Roth IRA + 401(k)/PS, SEP-IRA, 403(b), TSP.
· Investment management – portfolio design: individual, joint, corp, trust accounts.
· Risk analysis – income protection, estate creation, Brian L Spahr, CA-DOI #0C59068.
· Estate/tax planning – work with attorney/CPA to confirm best solution is applied.
As a fiduciary, your best interest is always our highest priority. We primarily use low-cost Index Funds and Exchange Traded Funds (ETF), while utilizing a passive asset allocation model. Deep, diversified allocation with not only different asset classes, but geographical locations and company sectors and size.
We will find the balance to you having a sufficient and prosperous future while enjoying and living a full life now. We utilize a holistic approach, which encompasses using correct accounts for both taxable and tax-deferred situations. By understanding your specific household cash flow requirements and your financial position, we can formulate a financial plan that will map out the composition.
· passive portfolio management utilizing indices and low cost instruments focusing on broad & deep diversification,
· professional strategies that include written & flexible yet stable, investment polices that keep us focused during volatile times in the markets, and
· operating with minimal conflict of interest from vendors with proprietary products and agendas, not influenced by media driven information, and not prone to chase performance.
Yes, SFG acts as a Fiduciary with all of our clients, which means we always work in their best interest. While that might seem like a basic concept, not all firms act in this manner. Investment advisers who work for Registered Investment Advisory (RIA) firms are required to act as fiduciaries in all aspects of providing professional advice.
As an RIA firm, we charge a fee for managing our clients’ assets, and are never compensated or influenced to use one investment vehicle or strategy over another for portfolio management. This fee covers our ongoing investment advisory, including annual financial planning, reviews, and updates.
There is no fee for a review. We believe in first educating you so that you can make informed decisions.
Contact us now to get a complimentary portfolio review, no obligation, no pressure, and no strings attached.
Do you require help with any of these specific topics or range of subjects?
Confirming you have enough income to retire comfortably?
Have a review of your investments to determine if you allocated correctly for your risk tolerance?
Review your retirement and tax-deferred accounts to analyze risk and performance?
Make sure you have adequate life insurance to provide for your family?
Determine if your estate planning is providing you security and protection?