Our goal is to provide clients with personalized, diversified* and comprehensive solutions at a tier above any other area firm
Our advisors begin by meeting with you to understand your current circumstances. We determine goals and then analyze and evaluate the steps needed to help achieve your goals. We develop and propose a plan based on the data, then implement based on your feedback. The process does not end there, as we’ll continue to monitor the plan through the entirety of your time with us.
At TWM, we advocate full transparency. Our advisors provide a Portfolio X-Ray service that allows us to look inside your current mutual funds, ETFs, and annuities, and tell you exactly what you’re paying. We can also illustrate for you how your money is actually being invested. In some cases, clients come to find they have a very well run and cost-efficient portfolio. In others, they find their fees to be far greater than they had thought, or perhaps the overall risk is not in sync with their personal risk tolerance.
Our advisors take pride in discussing relevant investment strategies in accordance with the endowment model. Studies show# that endowments have largely enjoyed superior risk-adjusted returns. David F. Swenson, CIO, The Yale Endowment Report, states:
Substantial allocations to alternative assets offer a level of diversification unavailable to investors in traditional assets, allowing the creation of portfolios with superior risk and return characteristics.
A major contributing factor is the use of alternative investment strategies, using non-traditional and non-correlated asset classes, such as absolute return, private equity and real estate. Typically, less liquid assets provide a good source of diversification§ and the potential to increase a portfolio’s risk-adjusted returns. Therefore, alternative investment strategies are an avenue we present to our clients when appropriate for their risk tolerance, time horizon and liquidity needs.
Managing the distribution and purpose of your assets at the time of disability or death can be utterly overwhelming. By working closely with you and your other advisors, we help make certain your legacies are left according to your personal intentions.
Business succession planning can include executive level deferred compensation plans. These provide benefit programs to retain key employees; key man life insurance planning, which allows for liquidity in the case of death/disability of a key owner or employee; and split dollar life insurance. With tools such as these, we’ll help your business remain strong and stable for years to come.
Our Insurance Audit process addresses variables beyond simply coverage adequacy and premium costs. We explore alternative coverages that may better suit your needs and look for ways to achieve the same coverage at lower costs. We’ll compare policy features that you may never have been offered, which could provide the opportunity for enhanced protection for such events as catastrophic injuries and long-term care.
*§ Diversification does not guarantee a profit or protect against a loss.
# Source: Investing like the Harvard and Yale Endowment Funds, July 2015
You should be aware of and carefully consider the following points before determining whether alternative investments are appropriate for you. Alternative investments include, but are not limited to, investments in hedge funds, CTAs, private equity funds, real estate funds, and managed account platforms. Alternative investments are very speculative and are highly risky. Alternative investments are not regulated. They may employ speculative and risky investment strategies. They may have limited liquidity and carry high management fees. They may have little or no operating or performance history. Past performance is no guarantee of future results. There are no guarantees of profits.
THE ABOVE GENERAL SUMMARY IS NOT A COMPLETE LIST OF THE RISKS AND OTHER IMPORTANT DISCLOSURES INVOLVED IN INVESTING IN ALTERNATIVE INVESTMENTS AND, WITH RESPECT TO ANY PARTICULAR ALTERNATIVE INVESTMENT, IS SUBJECT TO COMPLETE AND SPECIFIC DISCLOSURES CONTAINED IN SUCH ALTERNATIVE INVESTMENT’S RESPECTIVE OFFERING DOCUMENTS. BEFORE MAKING ANY INVESTMENT, AN INVESTOR SHOULD THOROUGHLY REVIEW AN ALTERNATIVE INVESTMENT’S OFFERING DOCUMENTS WITH THE INVESTOR’S FINANCIAL, LEGAL AND TAX ADVISOR TO DETERMINE WHETHER AND INVESTMENT IN THE ALTERNATIVE INVESTMENT IS SUITABLE FOR THE INVESTOR IN LIGHT OF THE INVESTOR’S INVESTMENT OBJECTIVES, FINANCIAL CIRCUMSTANCES AND TAX SITUATION.
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Kindly note that the information and content provided on this website does not constitute professional advice. Although we do our best to keep everything on this site correct and up-to-date, we do not guarantee the completeness or accuracy of any information provided on this website. Improvements and/or changes in the products, services and/or programs described on this website may be made at any time without notice. We must also advise that hypertext links to other websites do not constitute an endorsement, nor do we guarantee any information provided by those sites.
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