Services: Problems we Solve

Retirement can last 15, 20, or even 30 years. This requires a better approach to asset management than the old Wall Street model. This is called “purposed based asset management”.

Over the last 20+ years, common wisdom has focused on what is known as “Modern Portfolio Theory” – the belief that diversification or “the pie chart method” of spreading investments between stocks, bonds and mutual funds will help protect against large losses.

The problem with the “pie chart method” is that it still requires that the markets go up in order for you to have enough money to retire. Unfortunately, using this theory, the average investor has barely made a little over 2.34% over the last 20 years, while the S&P 500 has earned close to 8%.* In 2008, we saw a clear demonstration of how investors cannot depend on asset allocation to protect their portfolio from sudden and significant losses.

The solution to this is Purpose Based Asset Management (PBAM).

PBAM recognizes that meeting your financial needs over 15, 20 or 25 years requires multiple investment strategies. Money that will be needed in the next five years should be invested differently than assets that won’t be needed for 15 or 20 years. By using a combination of safe and risk investments, PBAM allows our clients to sleep at night knowing that their money will last to and through their retirement.

For individuals that will not retire for another 10, 15 or 25 years or more, multiple investment strategies allow for participation in more of the market. This provides greater diversity and more investment opportunities.

* Dalbar Study 2010 QAIB. This study was conducted by an independent third party, Dalbar, Inc., a research firm specializing in financial services. Dalbar is not associated with TFG Wealth Management. A copy of the study is available upon request.

It’s time for new thinking from an expert with the experience to bring you new ideas.

For years, the advice of Financial Planners has been to invest in the stock market and to watch your nest egg grow.  And during the 1980’s and 1990’s, that strategy worked.

But since 2002, the ability to count on Wall Street to generate yearly positive returns has been inconsistent at best.  A “new normal” has emerged – one that requires different thinking and a different approach from your financial planner in order to secure your financial future.

Mark Fried is a specialist who embraces this new reality, helping you create more wealth.  He does this not just by increasing rates of return and reducing risk, but by thoroughly evaluating every other financial consideration in your life as well, including insurance, social security, taxes, healthcare costs and market uncertainty.

In an effort to meet your goals with certainty and predictability, Mark uses methods that other financial planners don’t consider and employs technology they don’t have access to.

Embrace the “New Normal” – and see what your financial future could look like.

Fee-based wealth management refers to the way we are compensated for our services, but it has a much greater meaning to you as an investor.

As a fee-based wealth manager, our compensation comes directly from our clients, whether in the form of a lump-sum consultation fee or a fee calculated as a percentage of assets under management.

Our goals are focused on helping our clients meet their financial objectives in what we believe are the most effective ways possible. We are well-credentialed, experienced professionals that keep our clients as our number one focus.