Process Driven for Improved Outcomes

 

For holistic wealth management, a plan is foundational.  It’s through a detailed understanding of your entire financial picture that we can predict future cashflow needs, understand income streams and the resulting tax consequences and thus provide guidance around tax mitigation and risk management.

As Certified Financial Planner™ professionals, we follow a structured process to develop your financial plan. We then help you address financial risks and finally will make recommendations on investment solutions in coordination with your CPA and/or legal professionals as appropriate. 

 

To make recommendations on how to best achieve your financial goals with investments, before understanding your entire financial picture, adds unnecessary risk and should raise suspicions.   

Avoid the hook end of a sales process from the “advisor” who doesn’t believe in comprehensive financial planning.

 

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Investing with Purpose

We start by understanding your full financial picture.  Investments and the investing process is the critically important outcome of that process.

Always acting as fiduciaries, we seek to provide the best investment solutions with the lowest expenses. Driven by a clear understanding of our client’s needs and goals, we provide a diverse set of investment options.

As independent financial advisors, we are not connected with, nor have incentive to sell specific products.  Our relationship with Harbour Investments, Inc. allows us to leverage the resources, research and agreements that have been established by a firm supporting more than 220 independent financial advisors.

ETF Model Portfolios

ETFs (exchange traded funds) are the backbone for our “model portfolios” which seek to provide balanced and diversified investments at low expense.  We believe in the research which has repeatedly shown that actively picking stocks doesn’t result in out-performance over index funds after considering expenses.

Direct Indexing (DI)

Direct Indexing (DI) allows the investor to get index like returns while using individual stocks.  DI is a newer investment solution aided by advances in technology.  DI can be a good choice for clients with specific investing needs including: concentrated positions (too much in a single stock); tax loss management needs, and the goal to invest in alignment with personal values. 

Tax Loss Harvesting

It’s not how much you make, it’s how much you take home.  As taxes can eat away at investment performance, being tax aware is important, though often a secondary consideration.  We have built our toolset and have created the partnerships to provide options for our high net worth clients who need more active Tax Loss Management. 

For more on our investment solutions, schedule a time to meet with an advisor.

 

 

Fees & Hourly Rates

We offer a premium wealth management service with lower than industry average fees.  You can see our current rate card here:

Rate Card

 

 

FORM ADV – SEC

 
 
Premium Wealth Management at lower than industry avg fees* : https://www.nerdwallet.com/article/investing/how-much-does-a-financial-advisor-cost

 

Securities and Advisory services offered through Harbour Investments, Inc., Member FINRA/SIPC. Koenig Financial Group AND HARBOUR Investments, Inc. are separate companies.   Securities Licensed in (AZ, CA, CO, FL, GA, HI, ID, MA, MI, MO, NV, NH, NY, OH, OK, OR, PA, TN, TX, UT, WA, WI)
 
This site is published for residents of the United States and is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security or product that may be referenced herein. Persons mentioned on this website may only offer services and transact business and/or respond to inquiries in states or jurisdictions in which they have been properly registered or are exempt from registration. Not all products and services referenced on this site are available in every state, jurisdiction or from every person listed.