what you should expect from an advisor
Experience, Transparency, and Integrity
Looking for objective financial advice?
Are you looking for unbiased financial advice or another well-rehearsed sales pitch? At Finley Wealth Management, a promise of objective advice is more than just words, we are compensated exclusively by the fee paid to us by you, our client. You simply pay for our expertise, with a transparent professional fee. We have no products to sell, commissions to attain, or quotas to meet. It's our firm belief that professional advice and product sales are incompatible. As Fee-Only Certified Financial Planners we sell advice where your dreams are the basis for our advice. Traditional Financial Advisors or Brokers most often sell products that are the driving motivation for the "advice" they give. When you work with us you receive objective advice from a Fee-Only Certified Financial Planner.
We act in a fiduciary capacity when advising our clients, and this is much more unique than you might imagine. The vast majority of employees of banks, brokerage firms, and insurance companies charge a management fee part of the time and are commissioned salespeople at other times. These brokers call themselves fee-based, attempting to confuse you into thinking they are fee-only.
The company, in turn, passes their expenses on to you in the form of hidden costs. As a Fee-Only Certified Financial Advisor held to a Fiduciary Standard, we are required by law to act with undivided loyalty in all circumstances, to our clients. This includes disclosure of how we are compensated and any conflicts of interest.
Helping you achieve all that is important to you
Preserving your wealth: Your aim with wealth preservation is to manage your investments to produce the best possible returns consistent with your time frame and tolerance for risk.
Mitigating your taxes: Your goal here is to enhance your wealth by minimizing the tax impact on your financial picture.
Taking care of your heirs: This means finding and facilitating the most tax-efficient ways to pass assets to your spouse and succeeding generations in ways that meet your wishes.
Protecting your wealth: This includes all concerns about protecting your wealth against catastrophic loss, potential creditors, litigants and identity thieves.
Making a difference in the world: This encompasses all issues related to fulfilling your charitable goals in the most impactful way possible.
We believe in getting to know who you are, not just what you have.
We know that the management of your wealth can be overwhelming. Together we can simplify the complexities of your financial life. Leaving you more of your most valuable asset; more time for whatever it is that is most important to you.
As an Independent, Fee-Only, and Fiduciary Financial Planning and Investment Management firm, we exist to help you craft a values-driven solution, to reach your own unique goals. If you’re willing to embark on this journey, the rewards can be immeasurable and the possibilities endless. Remember, life is not a dress rehearsal. It’s all about YOUR lifestyle, and it all starts with a conversation.
Evidence-Based Investment Management
The principles that guide our process:
Embrace Market Pricing
The market is an effective, information-processing machine. Millions of participants buy and sell securities in the world markets every day, and the real-time information they bring helps set prices.
Don’t Try to Outguess the Market
The market’s pricing power works against mutual fund managers who try to outsmart other participants portfolio management through stock picking or market timing. As evidence, only 17% of US equity mutual funds have survived and outperformed their benchmarks over the past 15 years.
Resist Chasing Past Performance
Some investors select mutual funds based on past returns. However, funds that have outperformed in the past do not always persist as winners. Past performance alone provides little insight into a fund’s ability to outperform in the future.
Let the Markets Work for You
The financial markets have rewarded long-term investors portfolio management. People expect a positive return on the capital they supply and, historically, the equity and bond markets have provided growth of wealth that has more than offset inflation.
Consider the Drivers of Return
Academic research has identified these equity and fixed income dimensions, which point to differences in expected returns. These portfolio management dimensions are pervasive, persistent, and robust and can be pursued in cost-effective portfolios.
Practice Smart Diversification
Diversification helps reduce risks that have no expected return, but diversifying within your home market is not enough. Portfolio management with global diversification can broaden your investment universe.
Avoid Market Timing
You never know which market segments will outperform from year to year. By holding a globally diversified portfolio, investors are well positioned to seek returns wherever they occur.
Manage Your Emotions
Many people struggle to separate their emotions from investing. Markets go up and down. Reacting to current market conditions may lead to making poor portfolio management investment decisions at the worst times.
Look Beyond the Headlines
Daily market news and commentary can challenge your portfolio management investment discipline. Some messages stir anxiety about the future while others tempt you to chase the latest investment fad.
When tested, consider the source and maintain a long-term perspective.
Focus on What You Can Control
A financial advisor can create a portfolio management plan tailored to your personal financial needs while helping you focus on actions that add value. This can lead to a better investment experience.