ONGOING
FINANCIAL PLANNING SERVICES
The
precarious balance between your financial plan and investment
plan requires periodic analysis and revisions. Your investment
returns and current lifestyle costs are interrelated and must
be reviewed to accomplish your retirement goals. Further, Montecito
Capital Management’s "Dynamic Asset Allocation" process for clients’
portfolio management, construction and composition inherently
commands adjustments based on client, portfolio or financial standing
changes. This is why we require clients maintain an ongoing advisor
relationship with us, your financial partner and subsequent vehicle
toward achieving your financial aspirations.
We have found
that following the delivery of a financial plan, often times many
of the recommendations do not get implemented for one reason or
another. Sometimes recommendations do get implemented, albeit
incorrectly. Financial planning can be extremely complex, and
because of the severe negative consequences that can result, it
is imperative that certain recommendations get implemented correctly.
Many clients retain our firm after the delivery of their financial
plan to ensure that our recommendations get implemented correctly
and to monitor the appropriateness of their plan in light of changes
in the financial markets, tax code or their personal or financial
situation.
Financial
planning without ongoing monitoring and adjusting is like running
a marathon once and believing that you are going to be in great
shape for the rest of your life.
This service
maintains your financial fitness via:
· Annual
updates to your financial plan
· Close tracking of every detail of your personal financial
situation, using advanced tracking software
· In-depth reports and task lists
· Taking
you through the investment process (three meetings to teach
you about investing, and a written investment policy statement)
· Checking your asset allocation each quarter to ensure that
it is within the limits established by your investment policy
statement
· Assistance with placing trades
· Access to Web-based retirement planning and investment performance
reporting software
· Assistance
with implementing the recommendations in your financial plan
after the initial month
· Answers to all of your financial planning-related questions
· Important articles, research and commentary about personal
finance via e-mail
The only
new clients we are currently accepting are those who are interested
in hiring us to provide ongoing financial planning services once
their financial plan has been written.
Disclaimer:The information in this
website is based on data gathered from what we believe are reliable
sources. This Web site is intended to give you information, not
investment advice. We do not guarantee its accuracy, nor completeness,
and it is not intended to be the primary basis for investment
decisions. It should not be construed as advice meeting the particular
investment needs of any investor. We may express opinions in this
site and elsewhere about allocating investments between asset
classes. This is NOT a specific investment recommendation to any
person or entity. We do not make 'personal investment recommendations'
to people or entities except to those who have engaged us expressly
for the purpose of providing professional investment advisory
and/or other financial advisory services. The process of making
specific and personal investment recommendations involves a close
understanding of our client’s objectives and expectations. Unless
we have this information, we are UNABLE to make ANY personal investment
recommendations.
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