Individuals and families have very personal goals, expectations, preferences, and circumstances. Only in the context of relationship can these vitally important characteristics be discovered, understood and incorporated into a holistic plan. W & W Investment Firm commitment to long-term relationships starts with our very first discovery meeting, an in-depth personal conversation designed to draw out the key values, goals, critical relationships and personal preferences that will make any subsequent strategy recommendations a natural fit.
Day in and day out, all around the globe, capital markets are powerfully at work. The big question is whether those markets are working as allies or as an adversaries. The company's investment management process is dedicated to forging a long-term alliance between clients and capital markets as the way to most effectively reach their financial goals.
In addition to investment management, W & W Investment Firm, LLC is committed to an advanced financial planning process that creates and delivers strategies tailored to each client. Advanced financial planning addresses the key concerns expressed by individuals.
By focusing on strong relationships, evidence-based investment management, and advanced financial planning, W & W Investment Firm, LLC delivers financial solutions to individuals that are coherent, reduce complexity, and increase the probability of success, in the unique way you define it.
W & W Investment Firm, LLC management process implements and connects a proven, academically robust, evidence-based portfolio solution to each client's unique life circumstances and aspirations. In our view, money management must not be directed by the simplistic pursuit of an arbitrary rate of return, but rather a wide combination of factors including investor goals, present life-stage, tax exposure, personal responsibilities, preferences, and realistic expectations. There is a subtle, but crucial, difference between simply managing other people's money and managing money for people we know.
Our research and experience working with individuals have enabled us to formulate the most critical aspect of investor success. This includes guiding investors away from costly fear-based mistakes, when investment market volatility creates anxiety and worry, as well as helping them avoid the pitfalls of greed when "irrational exuberance" tempts toward taking on undue and unnecessary risk. Most often, the best investment action is relentlessly following a long-term, strategic plan of market participation, remaining allied to broad investment markets in every economic climate.
Each client's investment portfolio is directed by a personal Investment Policy Statement (IPS) that is selected based on their risk and return goals, as well as on cash flow requirements, now and in the future. Our portfolio managers and management systems refer semimonthly to each client's IPS in evaluating any actions that may need to be taken to maintain the carefully selected risk, return, and liquidity parameters embedded in the document.
Ultimately, investment success is measured by the achievement of various goals including retirement income, education for children, providing for heirs, and other topics of importance - along with the ongoing experiences of confidence and peace of mind.
Advanced financial planning provides the overarching context for virtually every investment action. Our advanced financial planning process begins with an in-depth discovery interview and an associated fact-finding project. Understanding personal goals, values, financial history, key relationships and personal interests is the focus of the discovery conversation. From there, the process moves on to the creation of a detailed inventory and analysis of current investments, risk management, and asset protection tools including various insurance coverages, income sources and expense projections, debt arrangements, estate and transfer plans, tax history and other objective fact-finding.
The result of this process is twofold. Firstly, a thorough picture of a client's current situation is created. Often, for the very first time, people can see their complete financial landscape in one set of financial statements. In addition, from this current inventory, projections regarding future goals and expectations can be tested and compared to the values and objectives voiced in the discovery conversation. Answers to many questions, including the following can be modeled:
In addition to displaying a thorough picture of current and future financial prospects, the second result of this process is to accelerate the formation of an open and helpful relationship with W & W Investment Firm, LLC advisers and your other professionals who add expertise and value relative to goals and objectives. Undoubtedly, most helpful and understandable solutions to many planning concerns can be found in the context of relationships.
W & W Investment Firm commitment to quality relationships begins with our relationship to you. W & W Investment Firm, LLC advisers assume the role and responsibility of fiduciary to you and your family, meaning that our only loyalty is to you. As your fiduciary, we are obligated to recommend and do only what is in your best interest. Because of this commitment, W & W Investment Firm, LLC chooses to receive no outside compensation. Our relationship is exclusively with and for the benefit of our clients alone.
Raising the probability of your success will likely involve engaging the services of other experts and professionals. How much better would it be if these experts truly worked together as team on your behalf? Because you are already busy professionally and personally, W & W Investment Firm, LLC steps into the role similar to that of a master translator, which includes managing the communication with and coordinating the work of your professional team. Over time, this team will likely include a CPA or tax professional, insurance specialists, personal and estate planning attorneys, and benefits officers at places of work, as well as others.
W & W Investment Firm, LLC does not seek to replace any of your important professional relationships, but we do take responsibility to communicate with each of them, making sure they are all working in a coordinated manner on your behalf. For those clients who don't have a current professional to fill an important role, W & W Investment Firm, LLC can arrange introductions to a variety of individuals and firms who could be helpful to you. Of course, W & W Investment Firm, LLC will have no financial arrangements with any of these professionals as an assurance to you that we are recommending experts we believe in, without conflicts of interest.
