Wealth Management

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Wealth Management 2018-07-11T02:07:48+00:00
money management

Wealth management is an essential part of having a stable financial foundation. With markets at historic highs, interest rates at historic lows and volatility becoming a new normal, it can be a unique challenge to identify investment solutions appropriate for your portfolio—especially if you are at or near retirement, or in a time of transition in your life. At the Marsh Wealth Management, we are dedicated to providing investment options and recommendations to help accomplish your financial plan, including short-term income needs as well as long-term growth objectives.

We offer low-cost, tax-efficient portfolio solutions rooted in broad market diversification built for investors at various risk profiles. With an evidence-based investment philosophy, our market investments rely on the efficiencies of the markets while applying fundamental principles from notable Nobel-prize winning scholars to tilt asset allocation towards historically favored asset classes.

How do we do it? With The Bucket Plan® Philosophy
A strategic, structured approach to bucketing assets for today’s financial dangers and challenges.

The old way of investing for retirement was to keep a little pile of money at the bank and the rest of your money in a bigger pile of money in investments and hope that it would last a lifetime.

However, today market risk, interest rate risk and sequence of returns risk are the three biggest dangers facing investors at or near retirement, and a more sophisticated planning philosophy is essential to stretch retirement dollars to cover their many needs throughout the duration of retirement. For this purpose, we use The Bucket Plan® philosophy to segment money into three different buckets based on your investment time horizon, volatility tolerance and income needs.

We encourage our clients to be involved throughout the course of this process, and to ask questions so that they feel comfortable with their chosen investment strategy.

INVESTMENT MANAGEMENT SERVICES

For those clients who do not have the time or desire to manage their own investment decisions, we offer fee-only managed money investment strategies, as a percentage of assets.  Our fees are:

Total Assets Under Management Annual Fee
$0 – $500,000 0.9%
$500,001 – $1,000,000 0.8%
$1,000.000+ 0.7%

We do not receive income from trading commissions or 12b-1 mutual fund marketing fees.

FIDUCIARY STANDARD vs. SUITABILITY STANDARD

As an investment advisor representative for a Registered Investment Advisor, Yvonne Marsh is held to the “Fiduciary Standard” as defined under the US Investment Advisers Act of 1940 when providing investment advice to clients. This standard requires her “to act and serve a client’s best interests with the intent to eliminate, or at least to expose, all potential conflicts of interest which might incline an investment adviser –consciously or unconsciously – to render advice which was not in the best interest of the clients.”

This is an important distinction from the Broker-Dealer Suitability standard. In Release 34-51523;[5] the Financial Industry Regulatory Authority (FINRA), determined that Broker-Dealers are “not to be deemed investment advisors” and therefore are not subject to the same fiduciary standards as Investment Advisors when recommending investments to clients…”

As CPAs and financial advisors, it only makes sense for us to be held to the highest fiduciary standards.

INVESTMENT CUSTODIAN

TD Ameritrade is the independent custodian for investment accounts we manage on your behalf. You receive monthly electronic or paper statements directly from TD Ameritrade.  Online access is also available.