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How do you serve clients?

To best meet your financial goals and objectives, we are generally engaged in two phases: Planning & Investment Management. Planning is an important first step because it sets the roadmap for everything else we will do for you. Once we understand your goals and objectives, we are in a position to help you understand the probability of achieving your desired outcome(s) and what tools and strategies, including portfolio solutions, should be implemented to assist in that process. Following this order avoids the risk of implementing investment and other strategies while not knowing whether they are actually helping to accomplish your plan.

Tell me about the financial planning process.

Sounds like a lot of work!

What kind of clients do you serve?

How is the plan implemented?

It depends on the scope of your planning, but could include things such as:

  • Making company benefit plan elections
  • Making Social Security benefit elections
  • Setting up accounts to be managed by VWP
  • Changing investment options in accounts that are outside of VWP’s control (e.g. 401k)
  • Updating estate planning documents with an estate planning attorney
  • Updating insurance coverages
  • Making sure all of the key elements of your plan are in our planning program and kept updated going forward

Does VWP provide only comprehensive financial planning?

No. Although a comprehensive financial plan can provide the greatest benefits, we can limit our advisory services to your specific needs. Our initial discussions with you will help direct what services are needed.

How much does a financial plan cost?

It depends on the complexity of what you want done. Once we determine the scope of the engagement, we will agree on a flat fee, with half due up front and half due at completion. Our planning engagements generally fall into the $1,000 – $3,500 range.

What is your investment philosophy?

We believe:

  • The risk/return characteristics of a portfolio should match the client’s risk profile. Also, no more risk should be taken than is necessary to achieve the client’s return objectives.
  • MBroad diversification is a primary key to minimize the chance of making a major mistake.
  • It is important to avoid owning overvalued assets.
  • Both active and passive investment strategies have roles in effective investment management. Passive strategies make sense where inexpensive access to more efficient financial markets is desired. Active strategies are more important in less efficient market segments. Active management of the overall portfolio is also required to avoid owning overvalued assets.
  • Day-to-day investment decisions are best made by investment professionals whose sole responsibility is to oversee investment strategies.
  • The above beliefs are instrumental in selecting investment managers.

How do you select investments for clients?

Do you have a minimum investment size?

No. We understand not everyone has enough current assets to work under our normal fee schedule. We can work flexibly in structuring services and fees and would be glad to discuss your specific situation.

How much does ongoing investment management cost?

Will you waive the financial planning fee if I have you handle my investments?

No. The initial financial planning work that we do is a valuable service requiring time, training, technology, etc.

Do you work with other professionals such as CPA’s and attorneys?

What is it that makes VWP different?

We believe it’s the combination of:

  • Personalized planning and services of a small firm.
  • The back-office support and investment team of a large firm.
  • 20+ years of experience in advising clients on a multitude of planning scenarios.
  • Successfully seeing clients through two very difficult market environments since 2000.
  • Financial advice that is process, not product, driven.
  • Services that are tailored only to individuals and families.
  • A low client to advisor ratio.

What’s next?

| Client Website & Vault  |  Schwab