What's the problem?
The investment world is complex and full of financial noise pollution. It's like stepping into the chaos of the commodity pits.
The choices are more complicated and risky than it needs to be.
There are 9599 mutual funds, 1988 ETFs and 17,079 investment companies.
How can you know what's best?
Even the experts disagree.
It's all about creating income.
Most investment strategies will fail you. They are packaged products for the mass market that don't consider your unique life. We design an investment portfolio that matches what's important to you.
You want a future free from financial worry.
You don't want to lose money.
You don't want to run out of money.
You want to pay less taxes.
You want a reasonable return.
You want confidence you are making the right investment decisions.
Do you trust Wall Street?
One problem is getting financial guidance you can trust.
A lot of what Wall Street says doesn't connect with real life or your life. It's like being in a country that speaks a foreign language.
Experts pretend to predict the future that nobody can know.
They give a ton of conflicting advice. Financial information is not the same thing as useful financial knowledge.
Investment people use a risk profile questionnaire to recommend an investment model.
It doesn't work. It looks scientific, but it's not. A few questions cannot measure your risk tolerance and determine how you should invest. The purpose of the money should determine the investment strategy.
Everything needs to be coordinated.
Advisors rarely integrate the knowledge of other professionals. This wastes a lot of time and money. They all have a role to play: CPAs, attorneys, investment advisors, insurance agents, academic researchers, trust companies and banks.
Do you wonder why fees are a percentage of assets and not a flat fee or hourly fee for the work like other professionals?
You invest to experience
a meaningful life.
Accomplish the things you want to do.
Be with the people you want to be with.
Become the person you want to be.
Make a difference in the world.
Pass on your values and wealth.
Live a long and healthy life.
Have peace of mind.
Income is the goal that solves all your other goals.
You want a future free from financial worry. You don't want to lose money. You don't want to run out of money. You want to pay less taxes. You want a reasonable return. You want confidence you are making the right investment decisions.
What makes me different!
A different approach
Financial planning is life planning.
Money is a tool. TM
I believe investing starts with why you invest. My clients are willing to spend a little time thinking about their values and their life. Sometimes this only takes an hour or two but it helps both of us see more clearly. I want to add value to your life and to your money.
Deep financial knowledge
I've developed a vast understanding of all areas of the financial industry, banks, trust, estate planning, insurance and investment companies. This gives me knowledge of many resources for the best way to implement your decisions. That knowledge has greater value to you when paired with your unique life. Our investment goals are to: create income, reduce risk, save time, lower investment stress, lower fees, and reduce taxes.
Decades of experience
For 39 years I have helped people in all stages of life and have seen almost everything that can happen. I have learned people want to use their money to experience and to enjoy their life. You worked hard to create success. You want to take advantages of the opportunities available to improve your life and the life of your family.
Our simple two step process.
Have a phone conversation. Find out if we can help you.
Meet for some new ideas. Even if you don't become a client you will get some valuable ideas.
2018 © Dennis Zaderaka. All Rights Reserved.