obtain FREEDOM:
THE PFS GPS PLAN™
POSITIONING YOU FOR FINANCIAL FREEDOM BY ANSWERING:
“AM I ON TRACK TO MEET MY GOALS?”
“ARE MY INVESTMENTS OPTIMIZED FOR MY GOALS?”
“HOW DO I MAXIMIZE THE PROBABILITY OF SUCCESS OF ACHIEVING MY OBJECTIVES?”
FINANCIAL FREEDOM IS UNIQUE & PERSONAL
IT’S REALIZED BY LIVING A LIFE WHERE YOU CONTROL YOUR MONEY — IT DOESN’T CONTROL YOU
IT’S THE PEACE OF MIND IN HAVING CHANNEL MARKERS TO TRACK PROGRESS TOWARDS YOUR GOALS
“If you want to be happy, set a goal that commands your thoughts, liberates your energy, and inspires your hope.”
The foremost question on the mind of every client is: “Am I track to meet my goals?” We answer the question via our PFS GPS Plan™, a systematic process similar to the mathematical concept behind GPS tracking - trilateration. This determines a position from three bearings. To determine your financial position, we monitor three factors with the greatest impact on your investment strategy:
First, dynamics of the market;
Second, changes in your life;
Third, preparations to address expected and unexpected events.
We constantly analyze data, offer professional expertise and share deep conversations with you to keep you on track and positioned for financial freedom.
Then, using our investment principles we work together to maximize the probability of success of you achieving your objectives and goals.
THE PFS GPS PLAN™
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Once our planners understand your purpose, we begin to establish a financial plan with specific and achievable goals, and which takes into account any number of variables, such as the age you plan to retire, your projected spending in retirement, and the legacy you hope to leave for your loved ones.
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We think it’s only wise to look before you leap. With all the information we’ve gathered from talking with you and analyzing your finances and goals, we conduct a “top down” test of your plan to determine viability. We utilize our human insights as investment professionals, and the hard numbers produced by advanced software programs, running your plan through scenarios of market swings and life events. The results of this test give us the answers for refining your plan to fit your actual financial situation, and moving forward from a position of solid knowledge.
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From the results of our “top down” test, we begin to construct your investment strategy from the bottom up to help ensure your portfolio consists of the asset classes with the optimal potential for achieving your goals. Once we are in agreement on the details and at your approval, we initiate the process of funding your accounts, closely monitor progress based on reliable indicators, carefully manage your exposure to risk, and prudently adapt your plan to the realities of life.
The PFS GPS Plan™ is an ongoing, dynamic plan. It is never static; the world — and your life — is constantly changing. We use quantitative metrics to measure progress against your personal and market benchmarks. We pair this with a qualitative framework to address the question “Am I on track to fulfill my purpose and obtain my goals?”
PFS INVESTMENT PHILOSOPHY
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No one can see the future, but you can’t close your eyes to it. We guide clients toward their financial futures from a foundation of fact. By paying close attention to fundamental market indicators, we avoid guesswork and make disciplined decisions supported by in-depth research and professional experience. We never take a step without first clarifying our reasons and only with your permission, working together through market cycles to adjust your plan as needed.
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Genesis 41:46-57 tells the parable of Joseph, who served as prime minister to the Pharaoh of ancient Egypt, and who had the foresight to store reserves of grain during times of bountiful harvests. This prudent measure saved the people from starvation during a severe famine. We believe in exercising the same prudence in wealth management, and we purposely build portfolios for growing and preserving your wealth through bull markets and bear.
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Money is an emotional topic and the mood of the individual investor can swing from elation to panic in a moment. We live in a complex world where seemingly unconnected events lead to disruptions affecting our lives and our financial futures. COVID-19 is the perfect example, and before that, we saw the housing collapse, the dot-com bubble and 9/11. Throughout, the investors who’ve profited are those who never gave in to the panic, and you can be assured we’ll always be at your side providing reasoned, objective advice, keeping you true to your long-term objectives.
As the stewards of your financial future, we believe in careful planning and well thought-out strategies. We never act impulsively or seek quick fixes to long-term challenges. It’s a deliberate approach to investing, beginning with an examination of your lifetime financial goals, and providing the guidance, experience, and understanding to pursue them. Then - most importantly - we maintain and build on those goals. We manage client wealth efficiently, effectively and responsibly, keeping them regularly updated on progress while freeing them from the day-to-day burden of portfolio management.
