Our Approach

Money is personal. We believe investors deserve a partner that will provide them with a hands-on investment experience tailored to their needs and objectives

1

Start Smart

Getting a clear understanding of an investor’s financial life…

Starting smart begins by getting a clear understanding of an investor’s current financial situation and how they would like it to progress to help meet their future lifestyle goals and objectives.

During this process we get to know our prospective clients by gathering information pertaining to their personal values, financial goals, and existing financial accounts. We also evaluate their attitudes toward six universal financial planning considerations and conduct a Value at Risk (VaR) analysis.

Six Fundamental Financial Planning Considerations Getting a clear understanding of an investor’s financial life…

Our six fundamental financial planning considerations are potential barriers investors may face when working toward their goals. We believe that it’s important to evaluate investor sentiment towards each consideration through a succinct questionnaire. This allows us to examine the potential effects of these considerations on an investor’s assets today and in the future.

Assets can be exposed to six major financial risks:

Longevity

Liquidity

Inflation

Market Volitility

Mortality

Taxes

Value at Risk (VaR) Analysis

Within the initial review, we help investors understand their risk threshold. We do this by deploying a Value at Risk (VaR) Analysis that helps us quantify attitudes toward financial uncertainty, specifically one’s emotional tolerance with respect to the magnitude and speed of potential investment loss. 

This Analysis produces a VaR Score that is indexed on a scale from conservative to aggressive. The VaR Score can help us determine if the current portfolio aligns with the investor’s risk tolerance and provides insight as to whether changes to that portfolio are needed.

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2

Apply Discipline

A holistic investment plan for growing and protecting wealth…

Our discipline is built on the foundation of holistic planning and how investment and insurance solutions can work in concert to help mitigate six fundamental financial planning considerations, within a desired risk tolerance, so our clients have the confidence to handle market cycles.

This includes evaluating and incorporating strategies for working to…

  • Protect purchasing power over time
  • Secure guaranteed income for life
  • Structure assets for future unexpected expenses
  • Optimize returns within desired risk tolerance
  • Provide for and efficiently transfer assets to beneficiaries
  • Mitigate tax liabilities throughout the investment process

Holistic planning can help investors…

Remain Committed to the Strategy

Be confident in and committed to the investment plan with risk-tolerance based investment strategies.

Optimize Total Return Potential

Deploy customized investment and tax strategies for growing and shielding assets.

Protect and Preserve Investable Assets

Address six financial planning considerations to help prepare for various financial outcomes.s.

Investment Process

We want to exceed our clients’ expectations and provide transparency into our process so that they can remain confident throughout our partnership. After gathering information about our prospective client’s financial life, we utilize a multi-step process for analyzing, structuring, and implementing a holistic plan that is personalized to their financial goals and objectives.

1
Discover

Gather key information pertaining to goals, objectives, financial planning considerations, and risk tolerance.

2
Analyze

Perform an in-depth financial analysis of the information provided.

3
Plan

Create a custom strategy that aligns with the client’s provided goals and risk tolerance.

4
Implement

Execute the agreed-upon plan.

5
Monitor

Proactively manage the plan, evaluate its progress, and adjust it to meet shifting objectives and changing market dynamics.

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Guarantees are backed by the financial strength and claims paying ability of the issuing company. This information is designed to provide general information on the subjects covered. It is not intended to provide specific legal or tax advice. You are encouraged to consult your personal tax advisor or attorney.

3

Communicate Progress

A holistic investment plan for growing and protecting wealth…

We A.C.T. on each investor’s behalf and employ proprietary technology and proactive communication to keep clients informed.

Accessible

We aim to be available to our clients and work to answer questions and address concerns as promptly as possible.

Consistent

We jointly determine communication preferences and frequency and provide critical market updates throughout the year.

Transparent

Our clients have access to a secured online portal that will allow them to view their financial landscape in one location on any online device.

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The AssetLock Advantage

AssetLock monitors the investor’s household portfolio value and AssetLock Value and communicates key changes to both the investor and financial advisor. This approach helps the investor capture portfolio gains and reduce the potential for losses by keeping the portfolio strategy and investor’s risk tolerance aligned.

How AssetLock Works

The hypothetical example below demonstrates using AssetLock on an initial portfolio valued at $100,000. The investor’s household Value at Risk (VaR) Analysis and portfolio allocation determined a 10% AssetLock Threshold desired in the portfolio making the starting AssetLock Value $90,000. If the portfolio experiences growth to a High-Water Value of $146,793, the AssetLock Value would then increase to $132,114. If the portfolio then experiences a 10% loss, breaching the AssetLock Value of $132,114, the financial advisor and investor will be notified to discuss the possibility of portfolio allocation adjustments.

AssetLock® is tracking software used to monitor the performance of a client’s household portfolio and predetermine the amount of downside the client is willing to tolerate. The AssetLock Threshold is the maximum percentage of the downside the investor is willing to accept inside the portfolio as determined by Simplicity’s proprietary risk scoring algorithm, which is based on a Risk Tolerance Questionnaire and Value at Risk (VaR) Analysis of the household and model portfolio(s). It is NOT an actual stop order and will NOT automatically sell the individual securities in the household portfolio. The information provided here is not investment, tax or financial advice. You should consult with a licensed professional for advice concerning your specific situation.

Unless otherwise specified, all return figures above are for illustrative purposes only and are not actual customer or model returns. Actual returns will vary greatly and depend on personal allocation and market circumstances. Your advisor will determine the best time for you to re-enter the market. AssetLock® is tracking software used to monitor performance of a client’s portfolio, and to predetermine the amount of downside the client is willing to tolerate. It is NOT an actual stop order and will NOT automatically sell the individual securities in the portfolio. The AssetLock® Value is a reference point to encourage a conversation between the client and the advisor/firm.