“I’m tired of this paper blizzard. All these statements and tax notices…it’s confusing. Is there a way to make life simpler?”
There is a way! If you have accumulated accounts in several places over the years and now find it difficult to manage the paper blizzard, we can help. If you are happy with your present holdings, chances are we can transfer them into a single Home Federal account without tax consequence. Or, if your present holdings aren’t getting the job done for you, we can convert them into something that will. Our clients that have consolidated in this way tell us that for the first time they have a good handle on what they own and how they are doing.
You are in the right place! Like most people, you are busy managing your job and family and have not had the time or need to become an expert in investment matters. And now that you have some money there is no shortage of sales people that want to sell you stocks, bonds, insurance, mutual funds, and countless other things. But your money is precious and you want to manage it carefully. Prudent investment management requires discipline and expert research and analysis and that is where we come into the picture. Hire us and we will begin by helping you identify exactly what you need and expect from your investments and what risks you are willing to take to achieve your goals. Then, based on our research and analysis we will carefully build and monitor a diversified portfolio consistent with your goals. But you’re not off the hook entirely. We expect to meet with you frequently to report to you and to fine tune your portfolio to reflect changes in your goals.
“I purchased my investments from different places over time as funds became available. I thought I was doing the right thing at the time, but now it doesn’t all seem to fit together the way it should.”
You are not alone. Most people have built their portfolio of investments in the same way. And as time has gone by, you have changed and your goals have changed but your portfolio has not. Every investment you own should serve a purpose and fit into your portfolio just as puzzle pieces fit together. If you are not sure why you own what you own, you may be taking more risk than you intend or you may not be enjoying the returns you should. Our job as your portfolio manager will be to make all the pieces of your investment puzzle fit together properly so that you understand each piece and why you own it. You will see the picture clearly through our performance reports and statements and will know precisely how well your entire portfolio is performing. And we won’t just send you reports and statements. We expect to meet with you frequently to report to you and to fine tune your portfolio to reflect changes in your needs and goals.
“We are retired and want our freedom to go south for the winter without having to worry about our bills and investments. I wish we had someone we could trust to handle these things.”
Trust us! It’s our business! We can relieve you of the burdens of day-to-day financial management responsibilities, including payment of your utilities, taxes, insurance, and other periodic bills while you travel, or simply enjoy life! We will work with you to tailor an investment plan so that we stand ready to invest extra cash as it accumulates or reinvest your holdings as they become due. Progress reports will be sent to you as often as you like ~ even at your winter address…
“You know, we don’t really have a handle on what we are paying in fees – I wonder if we are paying too much? I wish I understood exactly what we are paying for!”
Our investment management service fees are pre-established, and based on the level of service provided. In the Trust Department, we do not charge a fee for each transaction. Nor do we buy investments that have sales “loads.” We don’t sell securities to our clients, we learn our client’s objectives, and then purchase securities for our clients. When we purchase investments, we buy at institutional rates to get the best options available in the marketplace. We pass along our institutional buying power to you, and you simply pay for our advisory services. In short, you know what to expect and can see exactly what you are paying.
Equal Housing Lender.