Money is personal. We believe investors deserve a partner that will provide them with a bespoke investment experience tailored to their needs and objectives.
Start Smart
Getting a clear understanding of an investor’s financial life…
Starting smart begins by getting a clear understanding of an investor’s current financial situation and how they would like it to progress to help meet their future lifestyle goals and objectives.
During this process we get to know our prospective clients by gathering information pertaining to their personal values, financial goals, and existing financial accounts. We also evaluate their attitudes toward six universal financial planning considerations and conduct a Value at Risk (VaR) analysis.
Six Fundamental Financial Planning Considerations
Our six fundamental financial planning considerations are potential barriers investors may face when working toward their goals. We believe that it’s important to evaluate investor sentiment towards each consideration through a succinct questionnaire. This allows us to examine the potential effects of these considerations on an investor’s assets today and in the future.
Value at Risk (VaR) Analysis
Within the initial review, we help investors understand their risk threshold. We do this by deploying a Value at Risk (VaR) Analysis that helps us quantify attitudes toward financial uncertainty, specifically one’s emotional tolerance with respect to the magnitude and speed of potential investment loss.
This Analysis produces a VaR Score that is indexed on a scale from conservative to aggressive. The VaR Score can help us determine if the current portfolio aligns with the investor’s risk tolerance and provides insight as to whether changes to that portfolio are needed.
Apply Discipline
A holistic investment plan for growing and protecting wealth…
Our discipline is built on the foundation of holistic planning and how investment and insurance solutions can work in concert to help mitigate six fundamental financial planning considerations, within a desired risk tolerance, so our clients have the confidence to handle market cycles.
This includes evaluating and incorporating strategies for working to…
- Secure guaranteed income for life
- Structure assets for future unexpected expenses
- Protect purchasing power over time
- Optimize returns within desired risk tolerance
- Provide for and efficiently transfer assets to beneficiaries
- Mitigate tax liabilities throughout the investment process
Holistic planning can help investors…
Remain Committed to the Strategy
Be confident in and committed to the investment plan with risk-tolerance based investment strategies.
Optimize Total Return Potential
Deploy customized investment and tax strategies for growing and shielding assets.
Protect and Preserve Investable Assets
Address six financial planning considerations to help prepare for various financial outcomes.
Investment Process
We want to exceed our clients’ expectations and provide transparency into our process so that they can remain confident throughout our partnership. After gathering information about our prospective client’s financial life, we utilize a multi-step process for analyzing, structuring, and implementing a holistic plan that is personalized to their financial goals and objectives.
1. Discover
Gather key information pertaining to goals, objectives, financial planning considerations, and risk tolerance.
2. Analyze
Perform an in-depth financial analysis of the information provided.
3. Plan
Create a custom strategy that aligns with the client’s provided goals and risk tolerance.
4. Implement
Execute the agreed-upon plan.
5. Monitor
Proactively manage the plan, evaluate its progress, and adjust it to meet shifting objectives and changing market dynamics.
Guarantees are backed by the financial strength and claims paying ability of the issuing company. This information is designed to provide general information on the subjects covered. It is not intended to provide specific legal or tax advice. You are encouraged to consult your personal tax advisor or attorney.
Communicate Progress
We A.C.T. on each investor’s behalf and employ proprietary technology and proactive communication to keep clients informed.
Accessible
We aim to be available to our clients and work to answer questions and address concerns as promptly as possible.
Consistent
We jointly determine communication preferences and frequency and provide critical market updates throughout the year.
Transparent
Our clients have access to a secured online portal that will allow them to view their financial landscape in one location on any online device.
The AssetLock Advantage
AssetLock monitors the investor’s household portfolio value and AssetLock Value and communicates key changes to both the investor and financial advisor. This approach helps the investor capture portfolio gains and reduce the potential for losses by keeping the portfolio strategy and investor’s risk tolerance aligned.
How AssetLock Works
The hypothetical example below demonstrates using AssetLock on an initial portfolio valued at $100,000. The investor’s household Value at Risk (VaR) Analysis and portfolio allocation determined a 10% AssetLock Threshold desired in the portfolio making the starting AssetLock Value $90,000. If the portfolio experiences growth to a High-Water Value of $146,793, the AssetLock Value would then increase to $132,114. If the portfolio then experiences a 10% loss, breaching the AssetLock Value of $132,114, the financial advisor and investor will be notified to discuss the possibility of portfolio allocation adjustments.
AssetLock Threshold
The investor-driven acceptable range of downside loss as determined by the household and portfolio Value at Risk (VaR) Scores
Portfolio Value
Daily portfolio value based on data at the close of the Stock Market the previous business day.
AssetLock Value
Portfolio value at which AssetLock will alert the investor and advisor. This value is based off the High- Water Value less the AssetLock Threshold.
High-Water Value
Highest value the portfolio has reached. This value increases as a portfolio grows and will not decrease with market loss.
AssetLock® is tracking software used to monitor the performance of a client’s household portfolio and predetermine the amount of downside the client is willing to tolerate. The AssetLock Threshold is the maximum percentage of the downside the investor is willing to accept inside the portfolio as determined by Simplicity’s proprietary risk scoring algorithm, which is based on a Risk Tolerance Questionnaire and Value at Risk (VaR) Analysis of the household and model portfolio(s). It is NOT an actual stop order and will NOT automatically sell the individual securities in the household portfolio. The information provided here is not investment, tax or financial advice. You should consult with a licensed professional for advice concerning your specific situation.
Unless otherwise specified, all return figures above are for illustrative purposes only and are not actual customer or model returns. Actual returns will vary greatly and depend on personal allocation and market circumstances. Your advisor will determine the best time for you to re-enter the market. AssetLock® is tracking software used to monitor performance of a client’s portfolio, and to predetermine the amount of downside the client is willing to tolerate. It is NOT an actual stop order and will NOT automatically sell the individual securities in the portfolio. The AssetLock® Value is a reference point to encourage a conversation between the client and the advisor/firm.