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INDIVIDUALS & FAMILIES

Financial Planning
 
“Failing to Plan is as good as Planning to Fail” so goes the cliché! As much as we hate to admit it, planning is an integral part of our lives, not just in our finances but in every aspect of our lives. Therefore, it’s better that we start planning early rather than regret later.
 
At every stage of life we are all busy.  We can make excuses as to why we are not able to invest for our future or why we can’t put together a financial plan, a roadmap for our financial future.
 
“Procrastination is my sin, it brings me constant sorrow, and perhaps I’ll stop practicing it tomorrow”. Do what Nike recommends… Just Do It!  The earlier the better but it’s never too late.   Let us help you put together a plan showing where you are and we’re you’d like to be in the future and what steps will help you get there.
 
Investment Management
 
We believe Wall Street and many advisors attempt to pull off a scam to make you believe that they have some sort of special powers.  Don’t take us wrong, we do believe in investing.  We believe that a logical, well-constructed portfolio (academically-based) of low-cost investments in capitalism and free-markets is THE WAY to grow your wealth over time. We sometimes grow weary of the talking heads on the financial networks on TV or other advisors who want you to believe with their crystal ball they can consistently outperform the markets over time (wishful thinking).
 
Our Investment Philosophy is rooted in heavy-duty research and we believe is the SMARTEST way for you and us to invest over time.
 
What is involved in Financial Planning and Investment Management that we do for clients? :
 

  • Goal Setting
  • Risk Assessment
  • Investment Analysis
  • Retirement Planning
  • Education Funding
  • Budgeting
  • Tax Efficient Investment Planning
  • Estate Planning
  • Insurance Planning
  • Charitable Gifting
  • Investment Planning
  • Account Setup and Asset Transfers
  • Rebalancing and Reporting
  • Progress Reviews
  • Coordination with Other Professionals

SMALL / MID-SIZE BUSINESSES

Get a Low Cost, Full Service Retirement Plan for You and Your Employees
 
RETAIN EMPLOYEES AND MAXIMIZE OWNER SAVINGS

Studies show that one of the best ways to bring the best employees to a company is by offering great benefits.  A custom 401k or 403b retirement plan design can help your company attract and keep those talented and sought after employees.  It can also help your company owners to maximize savings through proper retirement plan design.
 
DECREASE YOUR TOTAL RETIREMENT PLAN COST

Our firm does not believe in hiding fees or burying costs so you don’t know what you are paying. Your costs will be clear and transparent.  And, our team of retirement plan consultants will strive to cut your 401k plan total cost structure with low-cost fund choices from Dimensional Fund Advisors (DFA), Vanguard Funds and other Index and ETF Providers.
 
GET CUSTOM, RISK ADJUSTED MODEL PORTFOLIOS

Research has clearly indicated that many 401k participants have difficulty choosing their investment options.  And, when it comes to building investment portfolios from the available fund choices, those same participants are confused and uncertain.  By implementing model portfolios for your participants to choose from, you set your company apart and help your employees better balance their investments.
 
OFFLOAD YOUR 3(38) FIDUCIARY DUTY

All plan sponsors and employers with 401k plans owe a fiduciary duty to the plan’s employee participants.  Our retirement plan consultants can help you setup a plan where you have a 3(38) co-fiduciary that is willing to navigate the 401k culture with you and accept responsibility for running your 401(k) plan correctly.
 

CHARITABLE ORGANIZATIONS

As Charitable Organizations look for appropriate ways to generate investment returns over time with cash donations, trustees need to be mindful that they have a fiduciary responsibility governing their investing1.
 
Common Cents Wealth Management, LLC will assist in preparing a well thought out and constructed INVESTMENT POLICY STATEMENT which governs the parameters and strategies of the charities investments. Using low-cost, institutional-style index funds and ETFs that are not subject to style drift and whose fees are transparent goes a long way in meeting your fiduciary responsibility.
 
As important as it is for individual investors and families not to make the mistakes of emotional investing, Charitable Organizations and their trustees need to avoid these same mistakes so their organization doesn’t experience a loss of performance seen in the study below.
 
Common Cents Wealth Management, LLC is actively involved in charities and understand what an important role they play in bettering society.  We are open to negotiating our management fees to qualified charities to maximize returns. We look forward to meeting with you to see how we can help your charity invest SMART.
 
1See RESTATEMENT (THIRD) OF TRUSTS § 77 (2007) (stating, “(1) The trustee has a duty to administer the trust as a prudent person would, in light of the purposes, terms, and other circumstances of the trust. (2) The duty of prudence requires the exercise of reasonable care, skill, and caution.”). The prudent investor rule applies more directly to investments.