Our Process
Our objective is to give you independent and unbiased advice so that you can best achieve your dreams. We achieve this by following the steps below:
Step 1:
Define your need & goals
Step 2:
Create a plan
Step 3:
Monitor your plan
Step 4:
Adapt as life changes
Our Services
Our wealth management services include all of the following:
Investment Management
We make our own investment decisions. We do not outsource any aspect of investment management to others who do not know you or your needs, goals, or aspirations.
Financial Planning
We will run you through your needs, goals, and aspirations to make sure we are on the same page and you are on track.
Tax Minimization
We will work with your accountant to make sure we are balancing an optimum portfolio for you while minimizing taxes.
Trust & Estates
We will review your estate plan, work with your attorney, and introduce trustee services if appropriate or requested.
Charitable Giving
We will work with you to develop the best charitable giving strategy to meet your needs, goals, and aspirations.
Education
We will work to educate you and those that you love so that you have a complete understanding of what we do and why, and so that future generations might understand as well.
Additional Resources
We have access to a broad spectrum of other services that include, but are not limited to, investment credit lines, mortgages, insurance, and checking and savings accounts, through our partners.
Our Approach
We employ a disciplined process and adhere to the following foundational principles
The best way to lower risk is to invest appropriately for a client’s specific needs and goals.
This is why we spend time getting to know the needs of each client. If we have invested appropriately for each need and goal, then we will not need to sell assets at a “bad time.”
We are long-term investors.
We believe our ability to outperform is enhanced because we can take advantage of short-term market volatility to achieve long-term goals.
Diversification is key.
Investing in a mix of assets that behave differently will limit the risk that we will have to pull funds out at a bad time.
FAQs
Who is your typical client?
We work with those who have more than $500,000 for us to manage for them. This allows us to ensure we can spend the time we need to personalize your experience with us.
Where will my assets be held?
For your protection, your assets will be held (custodied) by Schwab as an independent 3rd party. This provides you with an additional layer of protection as Schwab will update the values of your assets and report your account values to you through your online access or statements. This removes a potential conflict of interest and further protects you as a client.
Why did you choose Schwab as your custodian?
We chose Schwab because they are by far the largest custodian for Registered Investment Advisors with an incredible breadth of resources available that we believe is second to none. We felt it was important to marry the personal approach provided by Eagle Bluffs Wealth Management with the resources of a much larger institution to give our clients the best of both worlds.
How can I be sure that my assets are safe?
There are several layers of protection provided to ensure the safety of your assets. The first is that, as discussed above, Schwab is acting as custodian. Schwab currently custodies over $1.5 trillion in assets. Beyond this layer, there are several levels of insurance provided by Schwab for your protection through SIPC and Lloyds of London. Together, they protect up to $600 million in assets per client. Click here for more details about these protections.
How much will it cost to transfer assets?
It is our intention to cover all the fees involved in the transfer process and we would certainly discuss this with you in advance should this not be the case. Most commonly we will transfer assets in kind. Meaning that most assets will be able to stay invested during the transfer process. This helps in several ways, first there is no market risk introduced by buying and selling with a gap of time during the transfer process, we are typically able to purchase and sell assets at a lower cost (for stocks, exchange-traded funds and many mutual funds we actually have no transaction costs through Schwab), and this allows us to better manage the tax implications from selling securities.
How long does it take to transfer assets?
The process for transferring assets is fairly painless. After providing us with current statements and signing our transfer paperwork, we will handle the rest. The process typically takes less than 3 weeks.
What if I need resources beyond Wealth Management and Financial Planning?
If you need checking accounts, savings accounts, insurance, investment lines of credit, mortgages, or any other financial products, reach out to us. Through our partnerships, we are able to provide many of the resources that you may need. Best of all, as we do not make any revenue or earn incentives from any other activities, you can trust that we will give you unbiased advice and will guide you toward the products that best fit your needs.