Too many financial professionals focus almost exclusively on investments.  While investments are a core component of a client’s financial life, they’re not the only focus.  We take time to address the whole picture and often uncover and address hidden inefficiencies that make all parts of a completed plan work together more efficiently than when only investments are contemplated.

While a report can be a valuable tool, the more important part of a financial plan is ongoing fiduciary advice. A printed report is often out of date before the ink dries, but access to trusted advice tailored to specific needs and objectives is powerful.

Not all planning tools are created equally.  Some focus on goals only, but neglect cash flow over time.  Cash flow planning is critical to success because over a long period of time, focusing on goals only can lead to disappointment because being diligent with ongoing cash flows leads to confidence that your plan is working, and you know what tools are being used to perform which jobs both now and in the future.

Clients should be involved in charting the course of their financial futures, but they should not have to do it by themselves.  The time and education that would need to be expended and acquired to match that found at Peakview Strategies would be inefficient and a poor use of time for clients.  That time is better spent by our clients being great at what they’re great at doing and spending the rest with their families and on hobbies and travel.  Peakview Strategies will handle the rest.

An investment in a financial planner can yield dividends, but overcoming the fee drag of high-cost investments makes it harder to achieve big-picture objectives.  Being smart about where one incurs costs can lead to dramatically better outcomes.  That’s why Peakview Strategies tends to prefer lower-cost investments for our clients’ portfolios whenever possible.

Using modern tools allows collaboration between Peakview Strategies and clients in an efficient, collaborative manner.  Being able to see what’s going on both on a day-to-day basis, and in the big picture can bring a sense of calm, confidence, and organization for clients.

More important than being able to consistently pick market winners and losers is discipline and adherence to a plan.  It has been said that results are driven by carefully selecting an asset allocation and maintaining it than trying to time the market.  We don’t believe clients are best served with nitpicking which funds may marginally outperform others in the short run.

The best portfolio in the world is meaningless if appropriate risk management, transfer, and tax strategies are not also implemented.  This is where vast swaths of other financial firms fail their clients on a daily basis.

Our carefully planned cycle of meetings ensures nothing falls through the cracks, but it’s important for clients to keep Peakview Strategies informed of major changes in status and to make full and fair disclosure of their current state so the best possible advice can be provided.

The important part is that clients take consistent and meaningful steps to improve and maintain their financial plans.  We can serve as a resource for implementing the ideas that make sense, but there is never an obligation to do so with Peakview Strategies.

By focusing on a small, exclusive group of clients, Peakview Strategies is able to provide more resources to every client.  Unlike other firms where professionals are responsible for hundreds – or even thousands – of clients, this firm’s small set of focused relationships allows us to truly get to know the clients and act in their best interests.  Peakview Strategies clients are far more than account numbers.

The value created from allowing the creative strategies a planning relationship with Peakview Strategies can bring to the table will more than offset the cost of planning fees in the long run.