Creating a Business Plan for Your Life


While we take great pride in our expert investment management capabilities, it’s not the only service we provide to our clients. SWM works with each client to incorporate their investment portfolio into their overall financial strategy. Today, having a plan with the flexibility to deal with changes and life issues is critical. This is the cornerstone of our coaching-centric philosophy; we call it a business plan for life.


Private Clients


Rather than focusing on only investments as many advisors do, our strategy is based on cash flow, portfolio risk, tax awareness, and estate preservation while simultaneously dealing with multiple what-if scenarios as things can, and do, change over time. The result is the creation of a keen awareness of the importance of addressing all areas of all significant areas of one’s financial life, and the impact each has on the others.

True wealth management strategies should:

  • Integrate and coordinate all relevant financial aspects of a client’s life
  • Incorporate cash flow, tax awareness and the need to take the appropriate risk
  • Accommodate various what-if scenarios to be prepared for life’s uncertainties
  • Quantify freedoms allowing you to enjoy what you have worked so hard to achieve

As shown in the above pyramid, we work on the things that will have an immediate impact, a long-term impact and a generational impact on our client’s lives. To be sure, not all clients have the need to address all twelve pyramid items but the vast majority of clients will have most of them factored into their business plan for life.


Lowering Cost Is Essential


For anyone with an investment portfolio in the U.S., here’s what the brokerage firms and insurance companies don’t want individual investors to know: many portfolios are poorly constructed and are replete with unnecessary fees and conflicts of interest. At the core of our company is the firm belief that costs must be kept low and that proper diversification, transparency, and risk-appropriate portfolios are essential for any successful investment management program. As to costs, here’s why it is important to keep costs as low as possible:

Independent studies have shown that a portfolio of low-cost investments, diversified among risk-appropriate asset classes, gives investors a higher probability of achieving their goals. Unfortunately, many investors pay 2.50% or more in annual fees, expenses, commissions, and capital gains taxes. Lowering fees by only 1.50% can lead to significant increases in value over time.