Private Portfolio Management
- Is your current portfolio diversified enough to protect your assets in a volatile market?
- Does the stock market keep you up at night?
- Is your portfolio optimized for tax efficiency?
Every investor has a unique view of the market. At TAM Financial, we approach every portfolio individually. Unlike asset managers who use a standard set of portfolios to address generalized client needs, we have no portfolio "buckets". Your portfolio is designed specifically to balance risk and reward according to your overall financial picture, your personal goals and preferences, and our understanding of your best path to financial success.
Our investment philosophy is based on maximizing diversity and controlling risk. We believe a high level of diversification can help protect against the roller coaster rides of the market, and that controlling risk is vital to long-term security. We focus on keeping costs low, employing a strategy that steers away from high-cost mutual funds and we strive for tax efficiency, leveraging the expertise of our in-house CPA®. As a fully independent advisory firm, we answer to no one but you, and we receive no commissions. This independence gives us the freedom to offer conflict-free, unbiased advice and create portfolios that are custom-fit to the needs of each client.
Wealth Management Services
Working together to help identify, articulate, and achieve your dreams
At TAM Financial, we believe wealth management should be focused on supporting your dreams—not simply acquiring assets. As a fee-only financial advisor, our goal is to give you the financial power to help you live your dreams with greater security and peace of mind. We work with each client to remove the emotion and stress so often associated with money management by taking the time to understand not only your financial opportunities and challenges, but also the quality of life you want to achieve with your assets.
For some, this may mean saving enough to ensure a secure retirement with the assurance that they won’t outlive their assets. For others, it may mean growing a business, providing support and education for children and grandchildren, or maintaining a particular lifestyle before and after retirement.
Whatever your dreams may be, we work with you to help identify and articulate your goals, and then put a plan in place that is designed specifically to help you get there. Every service we provide is custom-developed to meet your specific needs. We have no “standard” financial plan and no portfolio “buckets” based on generalized attributes. Instead, we look at your situation, your goals, and help determine your best path to success.
To ensure every aspect of your financial life is addressed with care, all of the services we provide are included in our quarterly flat fee. And while specific offerings may vary depending on your specific needs, our all-inclusive services are generally focused in the following areas:
Personal Financial Consulting
What’s your money story?
- When the stock market has a major decline, do you open your quarterly statement, or ignore it?
- Does buying a second home make sense?
- Is there a way to leverage my debt to increase my long-term financial stability?
Everyone has financial questions, and the answers should be based not on general rules of thumb, but on your personal financial situation and your own “money story.”
At TAM Financial, we offer fee-only financial consulting to help you build a path toward your unique vision of the future—including the assets to support that vision. We begin by taking the time to listen to and understand your personal “money story.” What is your history with money? Do you base your financial decisions on emotions or financial facts? How much have you earned and saved, and what are your financial goals?
Once we understand these key factors, we work together to help you identify, articulate, and achieve specific short-term and long-term goals. Carefully considering your complete financial profile, we provide educated, insightful guidance and advice to help you make better day-to-day decisions and create a strategy to help reduce taxes and grow existing assets wisely and effectively. Depending on your specific needs, we may assist you with any number of the following:
- Financial analysis & design
- Retirement transition planning strategies
- Tax efficiency and mitigation
- Analysis of insurance needs (Life, Long-Term Care, Liability)
- Investment portfolio review & design
- Asset & investment management
- Cash-flow expense planning
- College funding strategies
- Planning for career & lifestyle changes
- Estate/legacy planning
- Advice on employee stock options
- Lump-sum distribution advice
- Second opinion on financial planning & investments
- Real estate investments
- Mortgage brokerage
- Business planning and defined benefits plans
Whether you are facing retirement and are worried about outliving your income, concerned about managing employee stock options, or thinking about your family and the legacies you want to leave behind, we’re here to help you think creatively about your life and the financial choices available to you.
