The Capital Advisory Group Advisory Services
1. Current, Up-to-Date, Personalized Plans
Every client can benefit from a financial plan we collaboratively develop and maintain. Prospective clients receive a complimentary comprehensive plan, allowing us to understand how we can best support their goals. To create a customized investment policy, we consider individual goals, resources, risk tolerance, and desired returns. This plan serves as the cornerstone of our regular meetings, where we monitor progress and adapt to changes in both personal circumstances and the broader economy.
Our Personalized Planning Process covers essential aspects of financial health, ensuring you know answers to questions like:
- Is your income optimized, and are your savings adequate?
- Are your risk tolerance and asset mix aligned with market realities?
- Do you have the right insurance coverage and an up-to-date estate plan?
- Are your beneficiaries informed about your financial arrangements?
Once the plan is in place, we provide ongoing personalized advice, updating it at least annually.
2. Enhanced Retirement Income Post-Expenses
We focus on increasing after-tax income and reducing expenses to enhance retirement enjoyment. We believe in the importance of living off returns from a portion of retirement income and offer strategies, such as those outlined in Brett Machtig’s Your Guide to Financial Freedom, to eliminate debt and improve cash flow.
We manage tax strategies proactively by reviewing each client’s tax situation before year-end to identify opportunities for tax-efficient management, including loss harvesting.
3. Risk-Aligned Investment Management
We monitor client portfolios carefully, considering market conditions, performance changes, and individual financial changes. Our approach to managing investments emphasizes the importance of protecting assets in down markets, with asset allocations based on potential returns and downside risk tolerance.
We aim to keep fees and costs low, using individual stocks, no-load mutual funds, and exchange-traded funds with lower fees. By applying various investment models, we aim to increase risk only when appropriate and protect assets during market pullbacks.
4. Affordable, Updated Estate Documents
Through our strategic partnerships, clients can receive essential estate documents—including wills, trusts, living wills, and power of attorney—for just $500. This service is also available for clients’ children and parents, providing family-wide support at an accessible rate.
**Clients should evaluate the firm’s services independently. Capital Advisory Group Advisory Services and United Planners do not provide tax or legal advice but collaborate with clients and their legal advisors on estate planning.
5. Accessible Advisors and Account Access
We recognize that financial questions don’t always fit into a 9-5 schedule. Hence, our clients have direct cell phone access to their financial advisor for support when convenient. With eMoney Advisor, clients can access their financial accounts 24/7, including bank accounts, retirement funds, and other assets, for an all-encompassing view of their finances.
