“We may be building a national reputation as the ‘worst case scenario’ guys”.

As you can tell from this tongue-in-cheek comment at a recent speaking engagement at an Investment University conference, Jeff has a unique approach to money management – which is: always know what can go wrong. Until you’ve identified your risks and devised a strategy from how to minimize them, you’re strictly speculating. Successful portfolio management begins with quantifying your downside risk and then doing everything possible to reduce it or plan it away. Then you can go forward with looking into how much money can be made.

“Our job is to manage, not sell”.

“Advisors should be paid by clients, not product providers”.

A fiercely independent approach to the financial services industry is something that truly sets our practice apart from most others. In our opinion, too many conflicts of interest still exist in the world of financial planning. Commissions, incentives, and other ‘kick-backs’ still influence much of the industry. This explains why our practice leans toward fee-based programs, which create a vested interest in success, not activity.

“Asset Allocation can never be over-emphasized”.

Nobel Prizes are supported by piles of statistics that prove the importance of proper allocation to portfolio performance. “All successful money managers have learned a few universal truths. One of them is that the best way to outperform the markets over time is to avoid sizeable losses”. In other words, one of the best ways to make money is to not lose much of it when the markets go in reverse. This takes discipline, courage, and a firm belief in asset allocation.

“Active management has become increasingly important in the past few years”.

It is becoming harder and harder to believe that you can simply buy shares of a solid company’s stock and be able to trust it to grow for the foreseeable future. Investors have learned that ‘buy and hold’ isn’t always valid. This is why we emphasize the need for a disciplined approach to each and every portfolio component.

A solid financial future is based on the following pillars:

• Investment planning – successful money management

• *Tax Planning – keeping all taxes at their bare minimum

• Retirement Planning – guaranteeing future account balances and income streams

• *Estate Planning – passing your assets efficiently to future generations

• Protection Planning – sheltering your assets from the future risks of injury, illness, or potential litigation

Tax and Estate Planning*
*While we are familiar with tax matters, as Financial Advisors of Winn Partners Financial Group we are not qualified to render advice on tax or legal matters. Clients are advised to consult the appropriate professional for advice.