Whether it’s owning your own home, funding your children’s education, or creating a stress-free retirement, a financial plan is considered vital in working towards your goals. By understanding the role of financial planning in meeting your short, intermediate, and long-term financial aspirations, you'll be better equipped to control your financial future.

Our Approach to Financial Planning

 

1. Risk Discovery

The importance of assigning the proper level of risk to your portfolio cannot be overstated. Stereotyping investors based solely on age or using words such as “moderate” or “aggressive” is simply not acceptable. At Poling Wealth, we work with our clients to discover the proper level of risk for them, focusing on both their capacity to take risk as well as their willingness and comfort level. We then assign them a risk score that quantifies risk and ensures each and every portfolio decision falls within our target range.

 

 

2. Portfolio Construction

Once we learn who you are and the amount of risk you are comfortable taking, we'll start developing your personalized portfolio. We use a mixture of individual equities, ETFs, and mutual funds to build out a portfolio that best matches your risk tolerance. Most portfolios contain some level of exposure to equities, fixed income and alternatives.

 

3. Plan Integration

By integrating your risk-optimized portfolio with a financial plan, we’re able to show a holistic view of your current financial picture while providing a roadmap to get you to your financial goals. Also, by setting your portfolio risk first, we are able to better assess the necessary contributions and achievable retirement income more objectively, without a desired lifestyle clouding the view of your true risk tolerance.

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4. Review and Support

The days of set-it-and-forget-it financial plans are over. After completing the aforementioned steps, your plan thrives as a living document, updating in near real-time so progress can be tracked and adjustments made as life throws its many curveballs. You will also have access to your personal online portal so you can always stay informed on your progress and can even run hypothetical scenarios to discuss with your advisor. This is planning reimagined.

Book an initial consultation to create your personalized financial plan!

Take control of your financial future.

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