Our Investment Philosophy

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Family finances are complex.  It can be a time consuming and continual process for you to fully understand how each piece of your unique financial puzzle fits together. At Connelly & Moore Wealth Management Group, our job is to simplify your total financial picture and help define your financial goals, allowing you to easily and confidently assess where you stand today as well as picture your future.

 

It is our strong belief that all successful investors work from a philosophy rather than an outlook. Our group's philosophy focuses clients on answering the question "What are your goals?" rather than "What is the market going to do next?". Utilizing Wells Fargo Advisors' Envision® process, we can create an investment plan designed to give clients the confidence to reach their financial goals.

Our process matches investor's goals to a proper allocation of assets which helps answer the big picture question of what is the appropriate percentage of stock vs. bond vs. cash and other types of investments that an investor needs to own to have confidence that they may meet their financial goals.

Once we establish the target allocation, we identify which portfolios are best suited for each client's unique situation. By offering advisory services such as Private Investment Management (PIM®), when appropriate, portfolios are properly diversified and periodically rebalanced. We periodically revisit, test and rebalance to help ensure that our clients continue on their financial path.

 

We keep in close contact with our clients. Needs change throughout the years. As milestones such as college graduations, weddings and retirement occur, an individual's wants and needs change along with their financial condition. Through regularly scheduled meetings, we inform our clients of our methods and strategies. Likewise, we are able to remain informed of any changes in our clients' circumstances. It is through this regular contact that we act as a "Chief Financial Officer" for our client's family. 

We believe our philosophy is not a "what's working now" approach as it is what we believe works long term. In our experience, patience and discipline are the keys to a successful investment philosophy.

 

The three stages of investing. We believe that by forming a lasting relationship with our clients, we can help them through the various stages of investing:

 

Accumulation

The working period when most of our clients are saving for the day when their investments will begin to work for them. There are non-retirement goals that can be a distraction. We help you to focus on the short term goals while not losing sight of the long term.

Distribution

By the time our clients reach retirement, our goal is to help them have in place a solid plan to help generate a potential monthly paycheck from their retirement assets. This income, along with their other planned income sources such social security, can allow them to easily transition into the retirement life they have been planning for years.

Transfer

Finally, we establish a plan for our clients to transfer assets to their heirs and/or charitable interests. Working with our clients' tax and legal advisors when appropriate, we advise our clients of efficient ways to transfer those assets both during their lifetime and upon their death.

 

Past performance is not a guarantee of future results.
No investment strategy can protect against losses or assure success.
The PIM program is not designed for excessively traded or inactive accounts, and may not be suitable for all investors. Please carefully review the Wells Fargo Advisors advisory disclosure document for a full description of our services. The minimum account size for this program is $50,000.
Wells Fargo Advisors and its affiliates do not provide legal or tax advice. Transactions requiring tax consideration should be reviewed carefully with your accountant or tax advisor. Any estate plan should be reviewed by an attorney who specializes in estate planning and is licensed to practice law in your state.