What do we do?
Professional Asset Management:
With volatile markets and constant change being the new normal, having an investment strategy and acting on that strategy requires even more time and expertise than ever. This is where we come in. Theory Financial’s approach allows you to focus on the areas of life that are most enjoyable while we strive to provide you with peace of mind that your portfolio is in good hands. At Theory, Asset Management revolves around clients through personalization and continuous evaluation. With open infrastructure, modern technology, and research from across the industry, we are able to evaluate thousands of investments seeking portfolio optimization. Theory Financial has no obligation to recommend any product or investment. We look for robust investment opportunities at competitive prices.
Financial Planning:
Developing a comprehensive plan is the fundamental ingredient in which all our planning strategies are made. We start by taking the time to get to know you, understanding your dreams and what is most important to you. Next, we build a client centered Financial Plan which will illustrate where you are on the path to achieving your goals. This will also allow us to identify any gaps that may prevent you from realizing them. We will then use future meetings to develop a strategy to address any acknowledged challenges. Once the Financial Plan is complete, a specific investment strategy will be recommended based on your risk tolerance and personal preferences. Our job will then be to implement and monitor your portfolio strategically and tactically through rebalancing and investment selection. This service is provided through our Investment Management services. Lastly, we will proactively partner with you to update your financial plan and portfolio as goals and environments change over time.
Income Replacement Planning:
Our experience has found that the highest levels of anxiety typically present themselves when a client retires and receives their final paycheck from their employer. They face the challenge of replacing the monthly income needed to live the lifestyle they choose. Even the finest quality financial plans can crumble without a selective and strategic Income Replacement Plan. Much of today’s planning focuses on only getting to retirement. Summiting Mount Everest is the obvious goal, but statistics show that the decent is where the majority of permanent mistakes are made. While the climb and growth of wealth is very important, the real challenge is to continue the asset management while making thoughtful decisions around where, what, and when to sell investments. Theory’s team will work to make sure when clients need cash or a monthly income stream, the funds will be there. We are selective in the type of accounts (tax-deferred or after-tax accounts) we suggest, and strategic in the type of investments used in accounts.
Estate and Incapacity Planning:
Establishing a “what if” plan or catastrophe plan before the unimaginable happens is priceless. Having seen firsthand spouses, families, and other loved ones thrust into positions in which they were completely unprepared, it is our mission at Theory Financial to plan for these events alongside you. The financial world has become focused on rate of return at the sacrifice of conversations like these. If something happened to you tomorrow, who would be responsible for these decisions? How would they feel handling the decisions? How much time could they dedicate to these topics each week or month? What mistakes could be made? What would the true cost of mistakes? What action steps can we make now that will help them if that day comes sooner than planned? At Theory, we look to go beyond the typical relationship, getting to know everyone important to you. Having planning meetings with clients, their beneficiaries, their Power of Attorney’s, and anyone the client feels deserves a seat at the table. This strategy gives us peace of mind making sure we are not only working for you now, but for your legacy in the future. During these meetings we will identify when official estate planning documents need to be reviewed and updated by Estate Planning Attorneys. Theory Financial LLC dba Theory Financial is an SEC registered investment adviser and does not provide tax or legal advice.
With volatile markets and constant change being the new normal, having an investment strategy and acting on that strategy requires even more time and expertise than ever. This is where we come in. Theory Financial’s approach allows you to focus on the areas of life that are most enjoyable while we strive to provide you with peace of mind that your portfolio is in good hands. At Theory, Asset Management revolves around clients through personalization and continuous evaluation. With open infrastructure, modern technology, and research from across the industry, we are able to evaluate thousands of investments seeking portfolio optimization. Theory Financial has no obligation to recommend any product or investment. We look for robust investment opportunities at competitive prices.
Financial Planning:
Developing a comprehensive plan is the fundamental ingredient in which all our planning strategies are made. We start by taking the time to get to know you, understanding your dreams and what is most important to you. Next, we build a client centered Financial Plan which will illustrate where you are on the path to achieving your goals. This will also allow us to identify any gaps that may prevent you from realizing them. We will then use future meetings to develop a strategy to address any acknowledged challenges. Once the Financial Plan is complete, a specific investment strategy will be recommended based on your risk tolerance and personal preferences. Our job will then be to implement and monitor your portfolio strategically and tactically through rebalancing and investment selection. This service is provided through our Investment Management services. Lastly, we will proactively partner with you to update your financial plan and portfolio as goals and environments change over time.
Income Replacement Planning:
Our experience has found that the highest levels of anxiety typically present themselves when a client retires and receives their final paycheck from their employer. They face the challenge of replacing the monthly income needed to live the lifestyle they choose. Even the finest quality financial plans can crumble without a selective and strategic Income Replacement Plan. Much of today’s planning focuses on only getting to retirement. Summiting Mount Everest is the obvious goal, but statistics show that the decent is where the majority of permanent mistakes are made. While the climb and growth of wealth is very important, the real challenge is to continue the asset management while making thoughtful decisions around where, what, and when to sell investments. Theory’s team will work to make sure when clients need cash or a monthly income stream, the funds will be there. We are selective in the type of accounts (tax-deferred or after-tax accounts) we suggest, and strategic in the type of investments used in accounts.
Estate and Incapacity Planning:
Establishing a “what if” plan or catastrophe plan before the unimaginable happens is priceless. Having seen firsthand spouses, families, and other loved ones thrust into positions in which they were completely unprepared, it is our mission at Theory Financial to plan for these events alongside you. The financial world has become focused on rate of return at the sacrifice of conversations like these. If something happened to you tomorrow, who would be responsible for these decisions? How would they feel handling the decisions? How much time could they dedicate to these topics each week or month? What mistakes could be made? What would the true cost of mistakes? What action steps can we make now that will help them if that day comes sooner than planned? At Theory, we look to go beyond the typical relationship, getting to know everyone important to you. Having planning meetings with clients, their beneficiaries, their Power of Attorney’s, and anyone the client feels deserves a seat at the table. This strategy gives us peace of mind making sure we are not only working for you now, but for your legacy in the future. During these meetings we will identify when official estate planning documents need to be reviewed and updated by Estate Planning Attorneys. Theory Financial LLC dba Theory Financial is an SEC registered investment adviser and does not provide tax or legal advice.