INTRODUCTION WHO WE ARE

Transcription

1

2 INTRODUCTION WHO WE ARE An independent financial planning and investment advisory firm located in Walnut Creek, CA established in 1981 We are a Registered Investment Adviser (RIA) regulated by the Securities and Exchange Commission We provide trusted personal financial advice and professional investment portfolio management services We manage over $375 million in client assets on behalf of approximately 270 clients Our clients include high net worth families, charitable trusts, company retirement plans, and private foundations We are long established institutional business partners with Charles Schwab and Fidelity Investments who serve as primary custodians for our client s assets 2

3 PEOPLE JIM KING, CFP, MBA FOUNDER AND PRESIDENT 36 years experience BA / MBA Stanford University SCOTT HORTON, CFP, MS PRINCIPAL 20 years experience BS Economics University of California, Davis; MS Finance GGU JUSTIN DODSON SENIOR FINANCIAL ADVISOR 15 years experience BS Business Administration, Finance emphasis Sonoma State University OLIVIA MOORE-JONES SENIOR FINANCIAL ADVISOR 29 years experience BS Business Administration and Accounting San Diego State University NANCY GIRE, CPA, CFP, MA, MS DIRECTOR OF OPERATIONS 31 years experience BA University of Chicago; MA Chicago State University; MS GGU JESSICA PALMER CLIENT SERVICE ASSOCIATE JONATHAN GONZALEZ CLIENT SERVICE ASSOCIATE DESIREE SMITHEY ADMINISTRATIVE ASSOCIATE 3

4 HOW WE ADD VALUE We provide superior personal service that builds lasting client relationships We draw on time-tested experience and expertise in creating solutions to our clients financial challenges Investment management in a manner free from conflict of interest and bias We help clients implement positive financial decision making Financial Planning Behavioral Coaching Guidance Discipline We operate under the FIDUCIARY STANDARD OF CARE We embrace our legal obligation to act in the best interest of our clients Fiduciary standard is superior to the Suitability standard Brokerage firms generally are not fiduciaries 4

5 INVESTMENT PROCESS Decisions are made by Investment Committee Meets bi-weekly, process driven Jim King, Scott Horton, Justin Dodson, Olivia Moore-Jones We use a structured asset allocation approach to manage portfolio risk and return We enhance diversification by incorporating lower-correlated, non-traditional asset classes in order to reduce volatility We strongly emphasize low costs We consistently monitor and strategically rebalance client portfolios to maintain targeted risk and return parameters We use both active and passive strategies No in-house limitations with our investment decisions We invest the substantial majority of our own personal investments in the same portfolios we recommend for clients we eat our own cooking 5

6 A RISK MEASURED APPROACH Portfolio target BETA to S&P S&P 500 Index BETA =

7 PORTFOLIO CHARACTERISTICS Enhanced diversification We diversify beyond traditional stocks and bonds by incorporating meaningful allocations in alternative asset classes and multi-asset class managers to reduce portfolio volatility Minimized fees and expenses Institutional and Advisor share class mutual funds Passive index mutual funds and exchange traded funds (ETFs) Load-waived mutual funds Readily marketable securities Daily pricing Fully transparent 7

8 INSTITUTIONAL STYLE ASSET ALLOCATION Traditional Asset Allocation: Institutional Style Asset Allocation: 8

9 ALTERNATIVES AND MULTI-ASSET INVESTMENTS OFFER LOWER CORRELATED RETURNS TO STOCKS AND BONDS, WHICH CAN REDUCE PORTFOLIO VOLATILITY Alternatives: Multi-Asset Class Managers: Market Neutral Arbitrage Strategies Hedged Equity Energy / Natural Resources Midstream MLP s Bonds Stocks Long / Short Global Macro Alterna tives Commodities Agriculture, Energy, Metals Precious Metals Gold Bullion Unconstrained Portfolio Currencies 9

10 FEES Our advisory fees are extremely competitive Assets under management Investment Management (annual fee) Financial Plan with 1 year Investment Management From $0 - $1,000, % 1.00% From $1,000,000 - $2,000, % 0.80% From $2,000,000 - $3,000, % 0.60% From $3,000,000 - $4,000, % 0.50% From$4,000,000 and above 0.30% 0.40% 10

11 CONTACT AND DISCLOSURE INFORMATION JIM KING, CFP SCOTT HORTON, CFP JUSTIN DODSON OLIVIA MOORE-JONES Phone: Investments may result in loss of principal past performance is not a guarantee of future results 11