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:
| Strategies | Increased Income |
| 1. Social Security Claiming | 9.0% |
| 2. Dynamic Withdrawal Strategy | 8.5% |
| 3. Tax Efficiency | 8.2% |
| 4. Total Wealth Asset Allocation | 6.1% |
| 5. Annuity Allocation | 3.8% |
| 6. Liability Relative Optimization | 2.2% |
| Total | 38% |
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