Wealth Enhancement

Along with the many benefits of wealth come the complexities of enhancing its value beyond that of its fiscal worth. You need a seasoned team at your side that can provide experienced guidance, a disciplined process, and access to a diversified collection of financial solutions. We offer wealth enhancement services that go beyond typical investment management – to serve you and your family, today and well into the future.

Investment

We will customize a personal investment strategy based on factors such as your objectives, time horizon and risk tolerance, then evaluate your current holdings and allocate your assets in a diverse variety of sectors and investments designed to increase the likelihood of generating a consistent return over the long term.

Asset allocation does not guarantee a profit nor protect against loss.

A 360-Degree View: Tony

To handle his $10.4 million portfolio, this 57-year old uses three brokers. Each has been advised by Tony to help grow the portion they’re assigned to manage. Tony is very receptive to ideas and as a result approves most recommendations from each broker. The first broker manages $4,000,000 with an allocation of 70% individual stocks and 30% bonds. The second broker manages $5,000,000 worth of mutual funds with a current allocation of 85% stocks and 15% bonds. The third broker holds a $1,400,000 position of General Electric stock that Tony inherited.

When Tony met with his 360 WMG financial advisor, his advisor learned that Tony wanted to retire in three years, that he wished to reduce portfolio volatility, and that Tony wanted a usage plan for the portfolio in retirement. The result was a transition plan to a managed account with a target allocation of 60% equity and 40% fixed income. The plan included selling $20,000 of GE stock per month over the following 15 months and repositioning the assets into the target portfolio.

What’s your view?

This case study is for illustrative purposes only. Individual cases will vary. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. Prior to making any investment decision, you should consult with your financial advisor about your individual situation.

Discretionary Advisory Service

Through this service, we assume the responsibility for making day-to-day investment decisions on your behalf. Because of our increased involvement in making these important decisions for you, we follow a rigorous, detailed planning process to make sure we have a complete picture of your financial goals and objectives and fully understand your individual preferences for the way your money is to be invested. We’ll not only be able to respond in a more timely and urgent manner to changing research, market conditions and world events, you’ll free yourself from frequent calls, paperwork and disruptions of investment decisions.

A 360-Degree View: Michelle

This hard-working executive is in charge of making decisions for a division of a Fortune 500 company. With investable assets of $3.25 million, most of which was held in individual stocks, Michelle received regular phone calls regarding the management of those funds.

During a meeting with her 360 WMG financial advisor, Michelle asked if there was a way to streamline the investment process so she didn’t have to field so many calls regarding investment decisions – so she could concentrate more fully on the decisions that affected her company. Her financial advisor told her about the benefits of our Discretionary Advisory Service and Michelle made the decision that this was a good solution for her situation.

Her financial advisor worked with her to create an Investment Policy Statement that outlined the parameters of how 360 WMG will directly manage her portfolio on her behalf and the service was seamlessly implemented.

What’s your view?

This case study is for illustrative purposes only. Individual cases will vary. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. Prior to making any investment decision, you should consult with your financial advisor about your individual situation.

Stock Options

Your firm has recognized the contributions you have made to its success by granting you options to purchase company stock. We can help you carefully consider decisions regarding your stock options, such as timing the exercise, how to complete the transaction and choosing to hold or sell the acquired shares.

A 360-Degree View: Martha

A senior manager with a Fortune 500 company, this successful businesswoman treated her stock options one of two ways: If they were “in the money” she would do a cashless exercise – she borrowed enough money from her broker to exercise the options and sold enough shares to pay for the purchase, taxes and broker commissions. If not “in the money”, she “let them go.”

Not long ago, Martha was granted both qualified and non-qualified options. She received all the appropriate paperwork pertaining to the options but was unclear on how best to manage her them. Martha’s CPA explained the difference in tax recognition but was not very helpful in formulating a game plan.

To find answers, Martha met her 360 WMG financial advisor. The result was a detailed plan with which to manage her option program. Because the tax treatment and exercise options are different between qualified and non-qualified options, the well-designed program helped her eliminate both the guesswork and emotions that often surround decisions pertaining to options. Martha’s advisor worked with her CPA to coordinate the plan, including how to best take advantage of rules that allow qualified options to be purchased with existing shares of stock Martha owns.

What’s your view?

This case study is for illustrative purposes only. Individual cases will vary. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. Prior to making any investment decision, you should consult with your financial advisor about your individual situation.