WHY WHITEROCK WEALTH MANAGEMENT?
CLIENT FIRST
As an SEC-Registered Investment Advisor, we have a fiduciary responsibility to act in the client’s best interest at all times. Our firm is compensated only by our advisory fee, not product incentives that potentially create conflicts of interest. Our objective is to properly position investment portfolios to achieve each client’s long-term financial goals in the most cost-efficient manner.
BEHAVIORAL COACHING
Our investment approach is rules-based and designed to eliminate emotional bias in the decision making process. Client education and communication are key to adhering to a long-term investment plan when markets become disorderly.
GOALS, ALLOCATION, & PORTFOLIO REBALANCING
Our professionals work with each client to define a suitable asset allocation based on the client’s investment time horizon, required income distributions and personal tolerance for risk. Our Firm continually monitors the client’s investments and rebalances the asset allocation as appropriate in a tax efficient manner. Frequent communications with our clients allows us to adjust portfolios to accommodate evolving client needs.
HOLISTIC WEALTH MANAGEMENT
In addition to prudent investment management, our Firm provides a holistic approach to wealth management that incorporates tax planning, spending advice, estate planning, retirement savings, and non-investment financial guidance including:
- Saving for a certain lifestyle in retirement—travel, philanthropy, vacation property, regular expenses, etc.
- Allocating portfolio assets to fund a child or grandchild’s education
- Deciding when to take Social Security or tap into 401(k)
- Creating structures to establish a financial family legacy and facilitate the transfer of wealth between generations
TRUST
Investors searching for an advisor are looking for someone they can trust. We believe a written financial plan at the beginning of every relationship helps establish a basis for trust. A solid, well-thought-out financial plan helps ensure clients are in the best possible position to achieve their long-term financial objectives. Our goal is to provide each client peace of mind by delegating the investment management process to honest, responsive and competent asset managers.
COST
The cost of investment advisory services provided by our Firm has historically been very competitive to both mutual funds and other third party management fees. Investments are tax-efficiently managed through low portfolio turnover, the prudent timing of sales and informed spending strategies to extend the life of the portfolio. We work with the client’s tax professional to simplify the filing process.