Investment Philosophy
Every relationship begins with an in-depth discussion focused on understanding the emotions, needs, and wants behind your investment goals. Every dollar has a job.
Key ongoing topics will involve risk tolerance and risk capacity, time horizon, taxes, and cash flow considerations. We will formalize this into a document called an Investment Policy Statement, which will be reviewed on an annual basis.
Diversification across account types will be of importance. Broadly speaking, you have four account types at your disposal, each with its own unique tax advantages: tax-deferred accounts, roth accounts, taxable accounts, and health savings accounts. Our goal is to help you plan for a potentially better tax outcome when deciding what the right mix of accounts is for you.
Market volatility is inevitable. Our strategies aim to dampen risk while safeguarding capital.
Our focus is on net income. Taxes and fees matter. Because of this, we work to identify strategic tax planning opportunities and set pricing that is both transparent and appropriate.
“Investment success accrues not so much to the brilliant as to the disciplined.”
GOAL ORIENTED
TRANSPARENT
COST-EFFICIENT
GLOBALLY DIVERSIFIED
LONG-TERM MINDSET
Under $250,000
Time in the market is a driving point. Global allocation across core asset classes with exchange traded funds and mutual funds being the primary focus when constructing your portfolio.
$250,000 - $2,000,000
At this investment threshold, we will begin to layer in alternative investments for many clients. Alternative investments tend to behave differently than your typical equity and bond investments. Adding them to your portfolio may help lower volatility, provide even greater diversification, and enhance returns.
Above $2,000,000
As your investable assets increase, we will begin incorporating laddered bond portfolios customized to your cash flow needs, tax bracket and risk tolerance.
Custodian Partnership & Fiduciary
Harmony Wealth Advisors, LLC has selected Charles Schwab & Co., Inc. as primary custodian for our clients’ accounts. Schwab Advisor Services serves independent investment advisory firms like ours and includes the custody, trading and support services of Charles Schwab & Co., Inc. As a registered broker-dealer and a member of the Securities Investor Protection Corporation (SIPC), Schwab is subject to certain regulations intended to protect assets held in brokerage accounts maintained at Schwab. The Charles Schwab Corporation is one of the nation’s leading providers of financial services. Through their operating subsidiaries, they provide securities brokerage, money management and financial advisory services to individual investors, independent investment advisors, and corporate and retirement plan sponsors and participants. Financial results and more information about The Charles Schwab Corporation’s business and financial condition can be viewed at any time at www.aboutschwab.com.
As a Registered Investment Advisor (RIA), we are held to a fiduciary standard. This means we must give advice that is in your best interest. The RIA fee structure reflects this duty. We are not paid on commission, as that method could create a conflict of interest between our desire to earn commissions and your best interest. It is our every intention that you know exactly what you are paying and receiving in return for your money. Also, in the interest of providing full transparency, you will receive monthly statements with a thorough reconciliation of all fees charged.
