Wealth Management
Remember that our team is always just a phone call away. Toll Free: 1.800.796.5690
Customized Investment Portfolios Strategies for growth, risk management, and market volatility.
Our investment portfolios are carefully tailored to your investment objectives. No cookie-cutter portfolios. We do this by minimizing the risk in your portfolio, working to improve returns, and creating predictable and sustainable income.
Our principles we follow to help protect your nest egg:
1.) WE MINIMIZE COSTS
The best predictor of future returns is the cost of your investments. In other words, low-cost investments are expected to provide better returns than high-cost investments.
For that reason, we build our retirement portfolios using low-cost investments such as individual stocks, bonds and Exchange Traded Funds.
2.) WE USE TAX EFFICIENT INVESTMENT STRATEGIES
Tax-efficient strategies – The Vanguard research paper ‘Putting Value on your value: Quantifying Vanguard Advisor’s Alpha‘ states that the potential value add of tax planning can add “up to 1.10%”
With tax efficient investment strategies and tax loss harvesting, we can minimize the taxes you pay from capital gains and dividends. We can also help you avoid retirement tax traps by making moves today to protect you in the future.
3.) WE ALIGN YOUR INVESTMENTS WITH YOUR TIME HORIZON
We believe that owning a diversified portfolio of long-term investments (equities) for your long-term objectives and short-term investments (cash, bonds) for short-term objectives. This alignment of investments may seem simple, but it is critical to investing success through all market environments.
4.) WE EXPECT VOLATILITY
Bear markets have historically occurred about once every 3-4 years. Because we plan for bear markets in our strategies, we are proactive during these volatile markets.
5.) WE STAY THE COURSE
It’s important to note that over the last 65 years, the market (as represented by the S&P 500) has grown by almost 100X, excluding dividends. Investing success is much more about time in the market than timing the market (i.e., the best portfolio in the world will not work if you can’t stick with it.) As such, we do not chase performance or fads, nor do we react to the latest market catastrophe as those actions invariably introduce new, unnecessary risks to your financial plan.
6.) WE PREPARE, WE DON’T PREDICT
We expect bear markets (we just don’t know the timing of them). We purposefully prepare both mentally and financially for whatever may come. Our relevant ongoing communication and easy-to-understand financial strategies help you feel comfortable to stay the course during stressful times.
👉 Want to learn more about building your retirement portfolio?
Cracking The Code
Unlocking Tax Savings For Business Owners
The tax code is over 6700 pages and when you include the federal tax regulations and the official tax guidance, it’s about 75,000 pages.
We use our step-by-step process to zero in on the tax strategies to which you are legally entitled and that will provide the largest savings to you.
This saves you time and money.
Your Journey Starts Here
Echelon Financial specializes in investment management.
Our approach is based on four founding principles:
Fee-Based Only / No Commissions
Because we are compensated on asset based fees, our advice isn’t motivated by transaction based compensation.
Fiduciary / You Above All
As a fiduciary advisory, we choose a financial path that is best for you—unbiased by the demands of a corporate parent.
Personalized Advice
Working as an independent fiduciary, we always offer personalized, jargon-free advice for everything money impacts in your life + help executing your plan.
Independent
We are an independent, privately owned firm with no ties to a giant corporate parent.
Plan for Tomorrow, Today.
Our mission is to improve the lives of our clients and their families by providing objective financial advice and exceptional service. Let us show you how.
