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The Value of an Advisor

The value of working with a professional team extends well beyond the returns you earn on your investments. According to a Vanguard study, professional support across implementation, rebalancing, behavioral coaching, tax management and spending strategies has the potential to add about 3% in total net returns each year!

Why is there a difference? Investors often buy into a fund after a winning streak (at high prices) and sell when they get nervous (at lower prices). Buying high and selling low is not an optimal strategy, but that is what so many investors do when they let their emotions drive decision-making. 

The Value of an Advisor

The value of working with a professional team extends well beyond the returns you earn on your investments. According to a Vanguard study, professional support across implementation, rebalancing, behavioral coaching, tax management and spending strategies has the potential to add about 3% in total net returns each year!

Why is there a difference? Investors often buy into a fund after a winning streak (at high prices) and sell when they get nervous (at lower prices). Buying high and selling low is not an optimal strategy, but that is what so many investors do when they let their emotions drive decision-making.

How Your Advisor Can Add Value

The evidence-driven approach seeks to close that gap. Your advisor’s role is to keep you focused on the long-term and minimize the inevitable emotional ups and downs that can affect the performance of your investments.

Typical Value Added for Client

0%

Suitable asset allocation using broadly diversified funds/ETFs

0.34%

Cost-effective implementation (lower expenses)

0.26%

Rebalancing

1.50%

Behavioral coaching

0-0.75%

Asset location

0-1.10%

Spending strategy (withdrawal order)

>0%*

Total-return versus income investing

~3%

Total potential value added in net returns

*Value is significant but too unique to each investor to quantify. Source: Vanguard, July 2022

A full-service team to plan your future.

At Capital Associates, we believe in having a personal relationship with our clients. We’ll make sure you fully understand all of your options so that you can rest easy and retire with confidence. Our full-service team will help build your comprehensive, actionable plan to ensure you achieve your financial goals. Leave the details to our network of experts including wealth managers, CPAs, tax and estate attorneys and insurance specialists to ensure no detail is overlooked.

Request A Meeting

Our Wealth Management Services

Financial and Retirement Planning
Evidenced Based Investment
Executive Benefits
Trusts and Estate Planning
Comprehensive Wealth Management
Tax Strategies

A full-service team to plan your future.

At Capital Associates, we believe in having a personal relationship with our clients. We’ll make sure you fully understand all of your options so that you can rest easy and retire with confidence. Our full-service team will help build your comprehensive, actionable plan to ensure you achieve your financial goals. Leave the details to our network of experts including wealth managers, CPAs, tax and estate attorneys and insurance specialists to ensure no detail is overlooked.

Request a Meeting

Our Wealth Management Services

Financial and Retirement Planning
Evidenced-Based Investment
Executive Benefits
Trusts and Estate Planning
Comprehensive Wealth Management
Tax Strategies

WHY CAPITAL ASSOCIATES

We Are Your Fiduciary

We have a fiduciary duty to act in your best interests. We make decisions based on your needs only. Unlike most of our competitors, we provide a coordinated, concierge approach to your retirement planning. We pride ourselves on ensuring that each of our clients receives individualized attention, unbiased recommendations and financial counseling that helps them achieve their financial goals and retire with confidence.

Financial and Retirement Plans Built Specifically For You

We work with you to create a goal-based financial plan. A key focus of this plan is on retirement planning, with a customized, tax-sensitive, total-return drawdown strategy aligned with clients’ financial goals. Some of the issues that advisors discuss include maintaining clients’ lifestyle in retirement, incorporating Social Security benefits and planning for future medical costs, college tuition for family members and bequests.

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Your Financial Picture is multi-faceted

  • Evidence Based Investment
  • Trust and Estate Planning
  • Risk Management & Asset Protection​
  • College Financial Planning
  • Retirement Planning
  • Survivor Income Planning- Analysis of Insurance Coverage and Needs

Our Financial Planning Process

Phase 1

Gather Data and Establish Objectives

  • Discuss & establish personal goals
  • Analyze and evaluate current situation
  • Assess time horizon(s) and attitude toward investment risk
Phase 2

Develop the Plan

  • Create and review personal plan with allocation recommendations
  • Discuss portfolio strategy and application
Phase 3

Implementation

  • Determine timeline for meeting financial planning goals and executing investment strategy
  • Consolidate assets and phase in investing plan in a cost and tax efficient manner
  • Coordinate with attorneys, accountants, and other professionals
Phase 4

Review and Monitor

  • Determine an appropriate review schedule
  • Recommend adjustments to the plan and investment portfolio when appropriate
  • Support plan with periodic risk review and rebalancing
  • Ad hoc meetings and

UNBIASED ADVICE

Simple, Transparent
Fee Structure

The way in which your financial planner is compensated can make all the difference in the recommendations they make for you. As fee-only planners, we are compensated directly by our clients for advice, plan implementation and for the on-going management of assets. The better our clients do the better we do we have a vested interest in your success.

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Are you effectively mitigating risk and managing the unknown to ensure you never outlive your money? Contact our team today

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