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Wealth Management and Financial Planning

Sound long-term planning is essential to meeting goals and obtaining financial security. We will work with you to implement a sensible plan that considers your complete financial picture.

WHAT IS FINANCIAL PEACE OF MIND?

To us, financial peace of mind refers to a state of emotional and psychological well-being that arises from having a sense of control, security, and confidence in your financial situation. It means being able to meet your financial obligations, pursue your goals, and handle unexpected expenses without constant worry or stress. Achieving financial peace of mind involves having a solid financial plan in place, managing your income and expenses wisely, saving and investing for the future, and having a safety net for emergencies. It's about feeling secure in your financial choices and having the freedom to make decisions that align with your values and aspirations, without being held back by financial constraints. Financial peace of mind provides a sense of stability and contentment, allowing you to focus on other aspects of your life without the constant burden of financial concerns.

HOW DO WE GET THERE?

Focus on what you can control. Have a plan. Stick to it. The first step to "getting there" for many individuals and families is to find a trusted financial adviser. We believe that a financial adviser can offer the expertise, tools, and perspective to help clients pursue better financial outcomes. Whether you are now considering working with a professional for the first time, or have decided it is time to reconsider your current relationship, we recommend a thorough due diligence process. Some factors to consider:

  • Fiduciary: A fiduciary financial adviser is legally obligated to act in your best interest, putting your financial well-being before their own. Not all advisers work with clients as a fiduciary.
  • Trust and Compatibility: Building a strong working relationship with your financial adviser is vital for the success of your financial planning.
  • Qualifications and Expertise: Ensure that the professional you're considering has the necessary qualifications, certifications, and expertise in the field.
  • Track Record and Reputation: Seek referrals from friends or colleagues, and check for any disciplinary actions or complaints filed against them.
  • Fees and Compensation: Advisers have various fee structures, and can significantly, adversely affect long-term returns.

WEALTH MANAGEMENT AT TONE CAPITAL

Tone Capital is a fee-only, fiduciary Registered Investment Adviser. Since our beginning, our firm has been guided by our commitment to always work in our clients' best interest. We take a holistic approach to wealth management, assessing your current financial situation, and listening carefully to understand your current needs and future aspirations. The financial plan we create becomes the foundation for your relationship with our firm, and is the basis for our recommended investment program. Our mission is to create peace of mind for our clients, not as a one time achievement, but as an ongoing process.

Financial Planning

Financial planning is a crucial aspect of securing your financial future and achieving your life goals. Whatever your goals, saving for retirement, buying a home, sending your children to college, or simply aiming to build wealth, a financial plan is the roadmap. Our process involves assessing your current financial situation, setting clear objectives, and devising a strategy to meet those goals. It's not just about managing money; it's about making informed decisions to optimize your financial well-being, and increasing your probability for a successful outcome.

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Investment Management

Our investment approach is informed by decades of experience in the institutional asset management industry, combining the latest financial science with common sense investing principles and cost-effective implementation. We believe in process and structure in building a core strategic allocation, but we also believe that each portfolio must be designed to meet the specific needs, goals, and initiatives of the individual client, and that our clients understand their investments, the rationale for their portfolio allocation, risk and return metrics, and worst-case scenarios.

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Minimize Product Costs

Many actively managed mutual funds are expensive and most underperform their benchmarks. Index and index-like ETFs and funds are inexpensive and transparent. ETFs are tax-efficient due to their low turnover, which also lowers transaction costs and contributes to their low expense ratios. They are built to track the indexes they are benchmarked to, eliminating negative surprises. In short, trying to guess which mutual funds that will consistently outperform the market is an expensive gamble that may not be successful over the long term.

Diversify Globally

Most people understand the risks involved in "having all your eggs in one basket". Many people fail to understand that simply owning a fund that tracks the S&P 500 does not create a diversified portfolio. Research has shown that a truly diversified portfolio, one that contains US stocks (large and small), international stocks (Emerging and Developed markets), fixed income, and real estate (in other words, one that looks like the world allocation) reduces risk (volatility) and improves returns.

Stay Disciplined

Emotion is the enemy of the investor; it causes bad decisions and, inevitably, unchecked, produces costly mistakes. Sometimes these mistakes take years to recover from. Sometimes these mistakes cause losses that will never be recovered; imagine selling your equity portfolio late 2008 /early 2009. Markets are impossible to predict; leaders from last year may be laggards (or worse) the next. Moving your money around according to what markets are doing typically does not work. Create a good plan, let the markets work for you, and stay the course.

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