Complete Wealth Management

We help aspiring retirees and business owners simplify the complexities of their success.


At Glownia Financial Group, we provide our clients with clarity and confidence. This is done through a:

  • Thoughtful and engaging client discovery process

  • Experienced financial planning and scenario analysis

  • Careful implementation, investment management, and risk monitoring


Our process is described in more detail below:

 

Financial Planning and Cash Flow Management


At Glownia Financial Group, our financial planning process will create comprehensive recommendations for all aspects of your financial life, including:

  • Asset allocation
  • Insurance planning
  • Retirement income and cash flow projections
  • Estate planning
  • Social security optimization
  • Employee stock plans
  • Education funding
  • Tax planning


Our goal is to paint a complete picture of your financial life. 

 

With this information, we can create a customized investment strategy aimed at achieving your goals.


Here are the steps:

  1. Data Gathering Session: We collect information such as your income, living expenses, investments, and upcoming spending goals.
     
  2. Initial Plan Presentation: We organize your data to create a snapshot of your financial situation. We'll also ask some questions to fill any gaps from the initial data gathering. For many clients, this is the first time they get a holistic view of their financial life. 
     
  3. Adjustment and Review Period: We'll give you some other items to consider, and will schedule a follow-up meeting to discuss various paths forward.
     
  4. Second Plan Presentation: At this stage, we have a comprehensive understanding of your financial situation. From here, we will provide you actionable recommendations along with a rationale for each item.
     
  5. Ongoing Review and Monitoring: Your financial plan is a living document. Through frequent monitoring and reviews, we’ll make modifications to the strategy as needed. At Glownia Financial Group, we understand life changes, and your financial plan should adjust accordingly.

 

Integrated Investment Management 


In our view, the financial plan should drive the majority of investment decisions. Until we understand your goals, current financial situation, and estimated cash flow, it's difficult to structure a portfolio specific for your needs. 

We don’t think investment management is a side job. In fact, we think it takes a team of financial professionals to construct an investment portfolio that is tailored to your goals, needs, and risk tolerance. At Glownia Financial Group, we have the experience, tools, and communication skills to help you focus on your long-term investment plan vs the short-term, scary headlines.

In our view, investing is about time in the market, not timing the market. However, that can be easier said than done, especially without professional help. Many folks claim to be long-term investors, that is, until the market suddenly drops by 20% or more.

Our investment management process covers the following:

  • Current Investment Snapshot: We will analyze your current investment mix. Sometimes, this phase of our review results in actionable steps that aims to immediately benefit you – like cutting your losses in a sinking investment.
     
  • Propose an investment strategy: We can draw-up personalized investment strategy aligned with your financial goals. This may be accomplished by building upon your existing portfolio, or propose a rebalance towards a more cost-effective and tax-efficient investment mix. 
     
  • Implementing and Monitor: Our investment process is dynamic, and evolves with your changing circumstances. We’ll guide your investment journey as your life changes. We will also take risk management actions should the market environment warrant it.
     
  • Consult, advise and counsel: This is an ongoing partnership. Throughout our relationship with you, we’ll keep you informed and communicate regularly about potential risks and opportunities for your investments. We also conduct regular performance reviews.

Bottom Line:

We believe we are uniquely qualified develop customized financial plans for our clients.

Equally important, we have the experience, education, and market acumen to meticulously implement and execute according to the plan.

We value your time- it's your most precious resource. If you'd like to learn more about how we can simplify and organize your financial life, please give us a call today! 
 

 Schedule a Meeting!