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Our Value To Clients

Aside from the Expectations you should have from working with us, it is essential that our clients realize tangible benefits, as well. There have been numerous published studies from top organizations and experts in the field that Illustrate the potential benefits clients may enjoy when working with a Financial Professional.

What are these potential benefits and how do we try to use these as a guide for our clients?

Increased Income in Retirement

Increased up to 38%

In 2013, David Blanchett, CFA, CFP®, Head of Retirement Research (formerly), Morningstar Investment Management & Paul Kaplan, Ph.D., CFA published their paper Alpha, Beta, and Now…Gamma in The Journal of Retirement.

Their study measured the effects of advice provided by an advisor. The added potential benefit of increased income is as follows:

StrategiesIncreased Income
1. Social Security Claiming9.0%
2. Dynamic Withdrawal Strategy8.5%
3. Tax Efficiency8.2%
4. Total Wealth Asset Allocation6.1%
5. Annuity Allocation3.8%
6. Liability Relative Optimization2.2%

Investment Returns

Add approximately 3%

Vanguard calls it “Advisor’s Alpha” , first described in 2001 and reviewed again in 2019: The value-add of best practices in wealth management - Putting a value on your value: Quantifying Vanguard Advisor’s Alpha ® - Feb 2019

Estimated improvement in net returns is approximately 3%, through the implementation of the following:

  • Personalize Asset Allocation
  • Cost-Effective Implementation
  • Rebalancing PortfolioBehavioral Coaching
  • Asset Location
  • Spending Strategy (Withdrawal Strategy)
  • Investing for Total Return VS Income Investing

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