Our investment management service is very consultative. We know each client’s needs are unique and we work to make sure we address them. Dialogue is ongoing and fluid as life is, we adjust plans as circumstances see fit and are in regular communication with our clients.
We are supported by the largest independent Broker/Dealer, LPL Financial,* so our product offerings, back office support and service ability is exceptional.
General steps in the investment management process include:
Step 1 – Review Current Portfolio
We first review your current investment portfolio. We analyze this information identifying areas for improvement such as a lack of diversification, appropriateness of investments, underperformance and fees. We want to make sure your investments are working for you.
Step 2 – Construct Optimal Portfolio
Next, we want to design the optimal portfolio for you based on a complete picture of your financial needs. We take into consideration specifics to you such as; investments held in 401(k), cash need and risk profile. Each client is different and we want to make sure your financial needs are addressed through a customized portfolio.
Step 3 – Execution
The third part of our process is achieved through us building your optimal portfolio. We provide the documentation to set up and transfer your accounts to make the process as seamless as possible. We take all investment implications into review for example, tax liability, timing considerations and unique preferences. Upon approval, we execute the appropriate transactions to optimize your investment portfolio.
Step 4 – Monitor, Review and Adjust
The final step is achieved through us providing ongoing and collaborative support to you in all facets of your financial wellbeing. We will be there to address financial issues, concerns and questions as they come up. We will review your portfolio with you when desired and will make appropriate changes as needed.
*As reported by Financial Planning magazine June 1996-2011, based on total revenue.
Are you prepared for retirement, do you know how much you can spend while minimizing the risk of outliving your assets?
Do you have a plan for how you are going to finance your children’s college education?
Do you know how your spending compares to your income?
Do you know what type of return you need to meet your retirement goals?
There are so many questions to be answered when it comes to your financial health. If you are looking to finally get some perspective on where you stand financially and understand how to get to where you want to be or continue to grow and support your lifestyle as is; XML can help.
Some examples of areas of your financial health we address through planning include:
- Assess financial condition and needs
- Identity retirement financial goals
- Assist with estate planning
- Prepare plan to meet future financial needs
- Offer tax strategies in relation to financial plan and monitor government tax and regulation changes, evaluating impact on individual financial status
- Evaluate financial statements and project earnings
- Search for ways to better manage cash flows
- Complete risk analysis
Are you currently working for a bank or wire house and thinking about going independent?
Are you thinking about either joining another independent firm or starting an independent firm?
Whatever your current background is in an investment advisory capacity, XML can help you think about, address and execute on the decision to go independent.
Independence was something that was very important to the partners of XML when they made the decision 7 years ago to leave a major wire house.
From a consulting perspective, XML can help you in a number of ways such as:
- How to set up the business
- Help develop projections
- Identify start up costs and contacts with whom to use
- Brainstorm all facets of marketing
- Provide ideas on guiding communications to clients and employer
- Discuss custodians, operations and business models
We’ve named a few considerations; every situation is unique and deserves a thorough consultation. We’ve consulted individuals and teams on gaining independence and have many success stories.
|The XML Insurance Group is an independent insurance brokerage firm,not a captive agent for one firm. We specialize in both family and business insurance including:
Please visit our XML Insurance Group: www.xmlig.com
Insurance services provided by XML Insurance Group are not affiliated with or endorsed by LPL Financial.