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Goal Based Investing

Goal-based
Investing
Benjamin Greenfeld

Benjamin Greenfeld, CFP®, Chief Investment Officer, illustrates the wisdom of an investment model based on needs and objectives.

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“We sometimes speak with potential clients who expressly ask us to ‘manage my portfolio’—in essence, simply monitor investments. We explain that in so doing we’d be ignoring all the other factors that significantly impact a client’s financial life, and request that they let us undertake a thorough review of their finances only after sitting down with them to identify and clarify their goals. One couple, who initially thought any goal setting beyond “maximize our investment” was unnecessary, came to realize its importance when we pointed out the vulnerabilities in their initial, investment-only plan.”

Our Advice

An investment plan with a poorly constructed estate plan meant that the client was potentially taking on unnecessary risk, with the government being the biggest beneficiary of the future gains.

Estate documents detailing how assets would be divided among children and charities did not include the proper follow-through to ensure those wishes would be carried out. We recommended a few simple steps such as changing the titling on some accounts and adjusting beneficiaries.

Client’s portfolio diversification had been based wholly on containing both equity and fixed income securities. We designed a portfolio allocation that was consistent with their ultimate goals. The new portfolio focused on generating cash in both the right timeframe and the amount needed to support their desired retirement lifestyle, while simultaneously building a legacy for their children and grandchildren.

Investment
Management
Services

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Asset Allocation
Manager Selection and Monitoring
Performance Reporting
Concentrated Stock Position Management

Review and Reporting of Non-Managed Accounts
Private Equity Tracking
After Tax Return Analysis
Investment Location Structuring

Expertise for Every Scenario

Business Sale
Strategies
John Waldron

John J. Waldron, CEO and Founder, highlights pre- and post-sale approaches to maximizing the selling of a business.

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Preparing Your Kids
for Wealth
Matthew Helfrich,

Matthew Helfrich, CFP®, President, relates how Waldron helps heirs grow into responsible stewards of their family’s wealth and legacy.

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Compensation
Advice

Robert H. Wyche, Managing Director, shows how we help highly compensated corporate executives and other professionals to make the most of compensation packages.

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Supporting Your
Family Office

Michael Krol, CFP®, CPA, CFO & Chief Service Officer, tells how Waldron efficiently helps family offices provide expanded services for their clients.

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Considering the
Effect of Taxes

Robert H. Wyche, Managing Director, relates the story of a coordinated carryforward strategy.

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Your Philanthropic
Legacy
Chris J. Roe

Chris J. Roe, CPA, Managing Director, relates how charitable intentions can be better coordinated.

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Goal-based
Investing
Benjamin Greenfeld

Benjamin Greenfeld, CFP®, Chief Investment Officer, illustrates the wisdom of an investment model based on needs and objectives.

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Complete Financial
Planning
Kevin Searfoss

Kevin Searfoss, CFP®, CDFA™, Wealth Counselor, puts all the pieces together to show the strength of integrated services.

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#25

Forbes list of
America's Top
Advisors