Investment Consulting
Portfolio Analysis
We will complete a thorough review of your existing total portfolio, evaluating its diversification, risk level, and expenses. Each investment, retirement, insurance, and bank cash account will be evaluated with relevent comments on flexibility, cost, control, and options.
Asset Allocation Strategy
We will jointly develop an asset allocation strategy for your total portfolio (i.e., all investment accounts). There are three primary steps to our asset allocation strategy. First, we establish a fixed asset allocation to be used as your prudent long-term investment strategy. Next, we present a recommended asset allocation which may deviate from the fixed allocation based upon current asset class valuations. Finally, we instruct you on moving from your current to the recommended asset allocation. In addition to financial assets, pensions, real estate, business ownership, income, and mortgage debt are also considered.
Investment Implementation
A detailed “Investment Change Summary” will outline our recommendations in an easy to implement format. Investment implementation is typically completed via cost-effective and carefully evaluated no-load mutual funds. Execution is conducted by either our clients or if desired (at no additional cost) by Mallard Advisors*.
Our clients DO NOT give up control of their accounts, DO NOT have to move their accounts, and DO NOT have to have our fees deducted from their accounts. We serve clients, not accounts!
* All services labled with an asterisk are available only to Annual Retainer clients. |
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Financial Planning
Sophisticated Retirement Planning
Your personal situation will be illustrated and evaluated to provide a specific opinion regarding your current and projected financial security. We do not use rules of thumb. Our evaluation is highly personalized and in-depth. You will learn what adjustments may need to occur in order to move closer to your financial goals. Other retirement areas addressed include pension option evaluation (using a multi-scenario approach), IRA distribution planning, and objective 401(k) or 403(b) rollover advice.
Estate Planning (if needed)
First, we want you to understand how each of your asset passes at thier death. We do this through the use of a tool called the Estate & Benefiicary Summary. Once this has been completed, the next step is to ensure that pitfalls are avoided and your wishes are respected concerning the distribution of your assets, your health care, and the guardianship of your minor children with the least complexity, cost, and court intervention.
Insurance Planning
You will receive objective advice about insurance from someone who isn’t selling it! An emphasis is placed upon your life insurance need and the most appropriate and cost effective policy type. Your current whole life policies will be professionally evaluated.
Other Planning
Other planning includes college funding, cash flow planning, charitable giving, post divorce planning, home purchase analysis, mortgage refinancing, and issues surrounding the death of a spouse.
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Tax & Other Advice
Tax Preparation* (if desired)
Your personal federal income tax returns will be prepared annually and filed with the IRS and the necessary State tax authorities. In house tax preparation ensures that the tax-planning advice provided is implemented, and tax savings are realized.
Tax Planning
You will receive expert income tax advice with customized tax saving strategies that can produce significant reductions in tax liability. In many instances, the income tax savings generated from tax planning alone can help offset our fee. Bill's masters degree is in taxation.
Financial Record Keeping System*
You will be educated on the use of The Mallard Financial Kit which includes The HomeFile System , The Personal Financial Tracker, Business Financial Tracker, and a customized file keeper designed to hold all of the above items. These systems are designed to simplify your filing, record keeping, and to “audit-proof” your tax return by ensuring all necessary tax information is captured.
Mallard Audio Seminar Series*
As an additional service, we develop and record seminars for our clients on a variety of practical financial topics. Each CD recording is used as an educational supplement in the planning process.
To hear sample segments from one of our audio seminars, click on one of the following links:
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