Financial independence is no accident,

Size: px

Start display at page:

Download "Financial independence is no accident,"

Lawrence Hutchinson
8 years ago
Views:

1 Financial independence is no accident, it requires coordination and planning. Are you coordinated? What is your plan?

2 Most people have only a vague notion about what they need for the retirement they envision. While we cannot predict the future, with planning and disciplined action, we can improve the likelihood of living our dreams. Discerning clients say they want: Greater Certainty Facts, not speculation. Comprehensive analysis and a tailored plan of action. Clarity on choices and possible outcomes. Financial Coordination A practical yet holistic viewpoint of financial matters. Efficiency and coordination with other valued advisors. Objective Advice A transparent fee-only approach eliminating inevitable biases associated with commissions, bonuses, or proprietary products. A Trusted Advisor Someone who is both competent and experienced. A professional who understands their situation and needs. A trusted ally. Exquisite Customer Care An elegant experience of care and results. Available, responsive, dependable, and communicative. Anticipates my needs. A Local Company A locally rooted firm that is involved in the community and has a culture of generosity and enacting change.

Discerning clients say they want: Greater Certainty Facts, not speculation. Comprehensive analysis and a tailored plan of action. Clarity on choices and possible outcomes.

3 Will I have enough to retire? How much can I save? When c afford to retire? What type of investments should I have? Sho gifting legacy? Do I need a trust? Can I afford to pay for my k For the sake of helping people be at peace and satisfied with life, we provide tailored financial strategies and investment management. We listen rigorously, care authentically, and act with wisdom. We strive to remove the stress from money and the future so our clients can focus on being present in life and doing what they love. Our role is to holistically coordinate your financial matters so you live life with dignity and achieve your most valued ambitions. Lance Wexler, CEO and founder

We listen rigorously, care authentically, and act with wisdom.

4 an I retire? How long will my money last? How can I save more? Can I uld we downsize? How do I minimize my taxes? How can I maximize my ids college and retire as planned? How much do I need to retire? Wealth Management With a Plan. The Investment Philosophy at Nexus focuses on providing clients realistic long-term returns while minimizing exposure to risk and volatility. We are conservative and methodical. We believe firmly that long-term goal-oriented investing requires disciplined, measured, research-driven choices. Start with a Plan Context a successful investment strategy begins with a holistic perspective informed by a comprehensive financial plan. Dynamic Asset Allocation Seeks risk-adjusted returns by owning various asset classes in percentages appropriate for a given risk tolerance and time horizon. Managed diversification minimizes volatility exposure commensurate with target returns. Periodic and strategic rebalancing maintains target allocations and creates a systematic method for buying low and selling high. Trends, Not Fads We assess and attempt to anticipate global economic and market trends and actively filter out the noise of daily rhetoric. Our investment research and analyses focus on long-term trends and we avoid emotional reactions to ungrounded media hype. Best In Class Managers We research and select best in class institutional managers who have consistently exceeded benchmark averages. As an independent firm, we are free to design portfolios free from limitations. Cost & Tax Efficient We seek to minimize costs, fees, and taxes while maximizing risk-adjusted returns.

We are conservative and methodical. We believe firmly that long-term goal-oriented investing requires disciplined, measured, research-driven choices.

5 I want more certainty. An Ongoing Personal Financial Strategy We start by helping you articulate your goals and then translate them into an action plan that is tracked, measured, and iterated over time as life unfolds. Your projections and action plan will be updated annually. You ll feel more secure about your future and more confident about the choices you make. 1. Information. We begin with the facts. What do you own and owe? What do you spend and save? What employer benefits are available to you? Do you anticipate an inheritance or the sale of a business? 2. Goals. Next we want to help clarify your life goals and translate them into measurable, actionable financial goals. When do you want to transition from work? What annual income will you need? Paying for college or supporting an aging parent? 3. Analysis. Once we have analyzed the facts in relationship to your goals, we visit with you to review a preliminary analysis of your financial situation. We may discuss multiple scenarios. This is the time to consider how your present situation aligns with your vision of your future. 4. Risk Assessment. Is your exposure to risk congruent with your current tolerance for risk? We will take inventory of your employer benefits, personal insurance, and your will or trust. 5. Action Plan. We will recommend and discuss specific and tailored strategies to set your vision in motion. But it doesn t end there. 6. Monitor and Revise. The moment we present you with your plan it is out of date. As life happens, we monitor progress and adjust the assumptions, projections, scenarios, and strategies. We review your plan annually.

Your projections and action plan will be updated annually. You ll feel more secure about your future and more confident about the choices you make. 1. Information. We begin with the facts.

6 (831) nex us [nek-suhs] 1. the core or center, as of a matter or situation. 2. a means of connection; tie; link. 3. a connected series or group: a nexus of ideas. Nexus Wealth Advisors is a fee-only financial planning and investment management firm located in Santa Cruz, CA. The advisors of Nexus have served hundreds of clients over the last 20+ years. Nexus is designed and operated with each choice and every detail intended to create an exquisite experience of care, results, and financial peace. The firm is a registered investment advisor (RIA) in the State of California. Clients funds are typically held at Charles Schwab & Co., Inc. Nexus clients benefit from continuous comprehensive financial planning as part of our offering to them. Nexus Wealth Advisors has a minimum portfolio relationship of $250,000. Nexus Wealth Advisors, LLC is a Registered Investment Adviser. Advisory services are only offered to clients or prospective clients where Nexus Wealth Advisors, LLC and its representatives are properly licensed or exempt from licensure. This brochure is solely for informational purposes. A detailed discussion of Nexus Wealth Advisors policies, practices and its fee schedule are contained in our Combined Form ADV Brochure Part 2A and 2B. To request a copy, please contact us at or by at compliance@nexuswa.com.

Nexus is designed and operated with each choice and every detail intended to create an exquisite experience of care, results, and financial peace.

Plan Confidently Invest Wisely Live Fully

Plan Confidently Invest Wisely Live Fully Our clients are up to something big. They are interested in making a difference for themselves, their families and their communities. Your Challenges and Responsibilities