A Registered Investment Advisor

Transcription

1 A Registered Investment Advisor

2 serving you Is MoneyZen Wealth Management Right For You? Not everyone needs a wealth manager. Not all wealth managers are a good fit. Is MoneyZen Wealth Management right for you? If the following describes you, there s a good chance the answer may be, Yes! Your financial well-being is as important to you as your emotional, physical, and spiritual well-being. You want to remain involved in your financial future, but leave the details to us. While money enriches your life and you re not afraid to say so, you also know that it s not an end in itself. You are excited to delve beneath the surface and discover your MoneyZen. To you, it s more than money, it s about your life. Thinking about a relationship with us our smart and simple process, leading-edge technology and personal touch gives you a refreshing sense of relief. What Is The MoneyZen Zone? It is a place of,, and. The MoneyZen zone is that delightful sweet spot where you are focused on the things that matter AND that are within your control. It is a place of profound clarity and strength. It guides all of our financial planning and investment decisions at MoneyZen Wealth Management. It brings you closer to the life you were meant to live. MoneyZen Financial Acumen Earn and save it. Invest and protect it. Spend and enjoy it. Reflect on it and repeat. - Manisha s recipe for MoneyZen By being a good steward with her own money, Manisha Thakor has been able to pursue her dream life living in beautiful Santa Fe, NM and doing work that nourishes her soul. Applying the same model, she helps her MoneyZen Wealth Management clients realize their life dreams as well. Your enriched life begins with holistic financial planning and continues on with evidenced-based investment management: Holistic Financial Planning + Investment Management = Mindful Wealth At the core of the MoneyZen approach is a unique 5-steps methodology designed to put the personal back into personal finance. With a full array of expertly managed financial planning activities (cash flow/budgeting, debt management, education and retirement planning, insurance analysis, tax awareness, estate and philanthropic planning) we distinguish ourselves by never losing sight of the Zen goal that these potentially complex issues are all about: aligning your values with your money, to arrive at your impeccable plan. In this sense, your plan becomes a part of you, comfortable and complementary to your sense of well-being. With your financial plan in place, your dreams are next set into motion with MoneyZen s straight-forward and clear investment strategy.

3 investment strategy At MoneyZen Wealth Management, Our Investment Strategy Is Driven By These Five Guiding Principles: 1. Markets work. As messy as global markets may seem close-up, they re simply an evolving exchange for rewarding those who have faith that human enterprise will endure, and are willing to invest accordingly. To capture market growth, you need only be there when it happens. This is called passive investing. 2. Trying to beat the markets doesn t work. Gaming the system trying to predict winners and losers (stock picking), or react to trends (market timing) is more likely to cause harm than good to your investments. The industry calls this active investing. We call it gambling. 3. Costs and taxes matter. Every dollar you spend on fees is one less dollar for you. Manage this readily controllable factor (in part by avoiding the added costs of active investing), and you ve already made enormous strides toward your desired outcome. Smart and easy. Who can argue with that? How Do We Do It? MoneyZen applies its five points of investment clarity through these three simple steps: 1. Simplicity: Building and managing your globally diversified portfolio to reflect your unique goals. 2. Abundance: Implementing with low-cost, tax-efficient, passively managed investment vehicles (stock funds, ETFs, high-quality bond funds and/or laddered individual bond portfolios). 3. Freedom: Helping you stay the course with caring, personal guidance. 4. Risk and return are related. Take on less market risk to preserve what you ve already got. Tolerate more market risk to accumulate more wealth over time. In financial-speak, we take on risk within your stock/equity holdings and temper that risk with high-quality fixed income/bond holdings. It s like your car s brakes and accelerator. Risk/reward and reliability: Most investors need some of each! 5. Diversification is key. Risk is expected to reward, but it s also daunting when it appears. Diversifying your wealth across a variety of market risks helps you remain on course and in the driver s seat, even when the road ahead is uncertain. Capturing the market takes staying power.

4 about us The MoneyZen Culture At MoneyZen Wealth Management, you ll find a new way to think about your life and how to enrich it. We re virtually everywhere. Among our most exciting and unusual qualities is how we ve applied leading-edge technology to build our virtual office. From the urban hustle-bustle of Times Square, to the mountain vistas of Santa Fe, to the sandy shores of Southern California, we ve optimized our business to serve ideal MoneyZen clients wherever they may roam. We re here for you, too. Our services are extremely up close and personal. In particular, our zest for learning and teaching shines through everything we do for and with our clients. We re transparent. We place a strong emphasis on full, transparent disclosure of our fees, relationships and services. We want everything to be perfectly clear, so you can relax and focus on your life. We re solid. Our office may be virtual, our fees transparent. But our people and platform are rock solid. Manisha s handpicked team is experienced and committed to helping you find your MoneyZen. We re well-connected. Nobel chemist Linus Pauling said, If you want to have good ideas, you must have many ideas. We couldn t agree more, so when it came time to found MoneyZen Wealth Management, Manisha turned to the alliances she d formed during her extensive financial services career to hand select a full spectrum of collaborative wealth management expertise. Learn more about our strategic partners to the right. MoneyZen Strategic Partners The BAM Alliance - Founded in 1998, St. Louis-based BAM is among the country s largest back-office service providers for fee-only, Registered Investment Advisory firms like MoneyZen Wealth Management. BAM does not accept just anyone as a client, so we are proud and excited to have attained an alliance with this elite group. BAM offers robust back-office/administrative support and far more. While MoneyZen Wealth Management operates independently, we collaborate regularly with BAM and its 100+ colleague firms who form a nationwide network of like-minded advisory partners: exchanging ideas and information; discussing opportunities and challenges; questioning and sometimes changing the status quo. We count our BAM network as among our most important, client-focused alliances. Investment Solutions True to our MoneyZen namesake, we have scoured the cluttered financial universe to provide the few, distinguished fund families structured according to our tenets of investment clarity. Our current solutions include Dimensional Fund Advisors, Vanguard, and Bridgeway, along with low cost ETFs and where appropriate, individual bond portfolios. Custodians MoneyZen Wealth Management focuses on your money, so you can focus on your life. That said, your assets are held in your name, with account activity reports sent directly to you from one of our independent custodian alliances, enabling you to remain in control of your wealth. Our custodians are Charles Schwab and Fidelity Investments.

5 about manisha Manisha Thakor is the Founder and CEO of MoneyZen Wealth Management, a boutique advisory firm providing integrated, holistic financial planning and investment management for clients with portfolios ranging from $1 million to $10+ million. After years working in the traditionally male-dominated world of financial services, Manisha wanted to create a firm where high net worth women and families can receive clear, concise, compassionate financial advice to support their life goals. The cornerstone of her work is something she calls MoneyZen, a joy-based approach to personal finance honoring the core values of simplicity, freedom, and abundance. Prior to setting up her own firm, Manisha spent 15 years working as an analyst, portfolio manager and client relations executive at SG Warburg, Atalanta/ Sosnoff Capital, Fayez Sarofim & Co., and Sands Capital Management. Manisha earned her MBA from Harvard Business School, her BA from Wellesley College and is a Chartered Financial Analyst (CFA) charterholder. She lives in Santa Fe, NM. Her website is MoneyZen.com. Manisha is also the co-author of two personal finance books for women: ON MY OWN TWO FEET and GET FINANCIALLY NAKED, serves as Financial Fellow at Wellesley College, and her MoneyZen writings appear in Forbes and The Huffington Post. A frequent commentator on issues of financial literacy, Manisha s work has been featured in many media outlets including CNN, CNBC, PBS, The Wall Street Journal, Real Simple, and MORE. Manisha sits on the National Board of the Girl Scouts of the USA and on the Advisory Boards of Feminist.com and The OpEd Project.

6 transparent fees MoneyZen s Simple & Transparent Fee Schedule Dedicated to the principle that managing costs is vital to sound investment strategy, we also firmly believe that creating your one best financial life is worth investing in. As such, you deserve to know exactly what you are spending, clearly and prominently, so you can determine whether the costs make sense for the value received. We charge a straight-forward percent of assets under management for our integrated, holistic financial planning and investment management services based on the following schedule: Assets Under Management Annual Fee First $2 million 1.00% For more information about MoneyZen Wealth Management please visit MoneyZen.com Next $3 million Next $5 million 0.80% 0.60% [email protected] Amounts > $10 million 0.40% * MZWM has a minimum account size of $1 million and a minimum quarterly fee of $2,500 Mailing Address: 223 N. Guadalupe St., #555 Santa Fe, NM 87501

7 moneyzen.com MoneyZen Wealth Management, LLC ( MoneyZen ) is a registered investment adviser with its principal place of business in the State of New Mexico. MoneyZen provides individual client services only in states in which it is filed or where an exemption or exclusion from such filing exists. This Brochure is provided for informational purposes only.