Diversification has been called the only free lunch in investing. This idea is based on research showing that diversification, through a combination of assets like stocks and bonds, could reduce volatility without reducing expected return or … [Read More...]
Discover A Better Way
Finley Wealth Management is a boutique fee-only firm offering a holistic wealth management approach through tax-aware customized financial planning and low cost institutional class investments.
At Finley Wealth Management a promise of objective advice is more than just words, as Fee-Only Certified Financial Planners, dedicated to your best interest, we have no products to sell, commissions to attain, or quotas to meet.
We ALWAYS act in a fiduciary capacity when advising our clients, and this is much more unique than you might imagine. As a fiduciary compensated directly by our clients with fully disclosed fees, we refuse commissions or any other misaligned third-party incentives.
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. Their employers, in turn, pass their expenses on to you in the form of hidden costs.
Simply put; we value your outcome over our income.
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 can rest assured knowing that you will receive only objective advice.
As A Fee-Only Registered Investment Advisor we are held to a higher 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.
Got dreams? We can help you live them.
You worked hard to get where your are now. Let us work hard to take you the rest of the way. We know that the management of your wealth can be frustrating and sometimes overwhelming. Whether your nestegg is $1 Million or $10 Million, we have the experience, depth of knowledge, and resources to excel.
Let us help you simplify the complexities of your financial life, by leaving you more of your most valuable asset; time. After all life is not a dress rehearsal. It’s about happiness, both for you and your loved ones. If you're ready, let's starts a conversation.
Let us share with you our knowledge and insights on wealth management.
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WE ADD VALUE WITH TAX-FOCUSED FINANCIAL PLANNING AND INVESTMENT MANAGEMENT
Income tax preparation is an annual after the fact process geared toward IRS compliance and meeting the filing deadline. Tax planning on the other hand is a forward looking activity. It is, at its best, an ongoing process with a plan toward the future. Combining tax preparation with ongoing and diligent tax planning can have a great impact on your financial life.
The worlds of income tax and investing significantly overlap in their effect on your financial objectives. Decisions about when to sell investments, how to take distributions from retirement accounts, and which investments are best in which types of accounts all involve both income tax and investment expertise.
Comprehensive planning uniquely positions the client’s tax-focused financial planner to have at his or her disposal all the relevant information needed to provide ongoing tax planning. That tax planning can potentially save many thousands of dollars in legally avoided taxes.Schedule A Conversation With Us
Principles Guide Our Investment Management Process
The conventional approach to investing is anchored in the basic belief that stock pickers and market timers, also known as active managers can effectively outperform the market.
However, the evidence clearly shows that active management is inefficient, costly, and counter-productive. It is very difficult if not impossible to consistently beat the market over time with stock picking strategies. There is an abundance of logical, mathematical, and empirical evidence to support this fact.
The index fund approach to investing will bring your performance closer to the market return. More precisely the market return minus expenses and the negative effects of predictable rebalancing. Cottage industries exist to take advantage of index fund rebalancing by buying the stocks before the index fund and driving the price higher.
We believe that there is an even better way and it's called Evidence-Based Investing.
What Are Evidence-Based Principles?