We review your current assets and allocations...
At some point, you might have been told to “consolidate your accounts.”
And while that sounds simple, managing your investments is much more complicated.
You may have a current IRA, a 401(k) from a prior job, different brokerage statements, and perhaps a collection of funds and stocks in various accounts.
At Longhouse, we look at all of your assets from a holistic viewpoint and with your financial goals in mind.
We do this by utilizing our patent-pending, 8 Wealth Management Principles℠ interview.
…and identify areas for improvement using the results of the 8 Wealth Management Principles℠ interview
Through good old-fashioned listening (and a bit of high-tech), we get a better understanding of you — your risk tolerance, your investment goals, and your life aspirations.
Based on this understanding, we assess the good, bad, and ugly of your current assets and allocations and identify areas where improvements can be made.
Our methodology is based on the understanding that when it comes to asset allocation, diversification is your greatest ally.
We measure your current portfolio against our comprehensive checklist and show you ways to get the most from your investment accounts.
And then recommend a portfolio and a plan
Through years of experience and advanced software developed in-house, we create a custom investment portfolio specifically designed to ensure that you reach your financial goals while minimizing uncertainty and stress.
The portfolio is comprised of carefully selected allocations and index funds, containing thousands of stocks and bonds from all over the world.
We set you up on the best platform
We have partnered with one of the most respected names in the industry —Interactive Brokers — to provide you with a highly secure brokerage platform for your portfolio management.
This special institutional relationship allows us to manage your portfolios easily and at a low cost.
These are your accounts.
You will receive a statement from IB every quarter and you remain in ABSOLUTE control of your money.
Transfer your existing assets into your new Longhouse portfolio
After your investment platform is set up at IB, we expertly transform your existing assets into your Longhouse portfolio.
This seemingly simple step requires experience and finesse, as any large conversion of assets could expose you to market risk.
As ACATS members, we instruct IB to transfer your assets into your new portfolio as soon as possible, exposing you to minimal market timing risk, and the peace of mind that comes with it.
We also are located in Encinitas, CA. Our building has various safeguards and security in place. This is our assurance that your account and access to it, is safe and secured.
We monitor your investments every step of the way
While you sit back and relax, your money is being closely monitored.
A Longhouse advisor, aided by our custom software system, tracks your investments daily.
Studies show that asset allocation comprises 90% of the difference in returns between investors, so it becomes extremely important to keep your portfolio close to the optimal allocations that we originally developed on your behalf.
Our system is designed to ensure that your asset allocations stay true to the plan.
We rebalance your portfolio to keep it optimized
So what happens if your asset allocations deviate from your original plan?
The answer to that question is called rebalancing.
Rebalancing is a simple, yet essential, process in which the higher-performing asset classes of your portfolio are sold, with the resulting money invested into the underperforming asset classes.
This “tune-up” ensures that your current asset allocations are always in sync with your original plan.
We know what you’re thinking.
It sounds counterintuitive.
But when you really think about it, rebalancing is simply a way of following the first rule of investing: Buy low and sell high.
We keep you in the loop
Our team of dedicated advisors keeps you informed of the progress of your portfolio through periodic check-ins.
We will notify you of any rebalancing that has occurred, provide you with details on your investments’ growth, and probably ask you how your kids are doing.
…And provide you with an annual “Big Picture” checkup
Once a year, we will have a live meeting in person, online, or by phone (your choice) to discuss the “big picture” of your financial plan.
We will talk less about your money and more about your life.
Has your situation changed? Has your time horizon shifted? Do you want to retire sooner or maybe work a few more years?
Because ultimately our relationship with you is not just about money, it’s about helping you achieve your financial goals.