The value of advice

Study after study shows that the performance of the average investor isn’t anywhere close to the benchmark.

What explains such a massive performance difference?

Only one thing…investor behavior. Things such as switching in and out of investments at the wrong time, chasing performance in the “hot sectors,” buying high and selling low, not diversifying geographically are a few of the reasons why. These are all things investors typically do because of the way we are wired and the way we process market information.

The value that we provide is to understand the great goals you have for your life, craft a long-term comprehensive financial plan to help achieve those goals, create a well-diversified portfolio that matches up with the plan, and then to help manage the emotions we all experience to help you overcome the behavioral biases we are all born with.

One of our core beliefs and a way to overcome those behavioral biases is to stay invested.
We know that a longer time horizon reduces risk. Part of the value of our ongoing advice is to not panic when markets decline and to view those times as a buying opportunity

Our Process

Ens Flath Advisory Group’s blueprint

 

Coordinating the specialists, knowledge and resources to manage wealth 

 

  1. Goals 

• Working together to understand and define your financial goals
• Gathering information and reviewing your risk tolerance
• Opening dialogues with your accountant and attorney, if required 

2. Plan

• Personalized financial plan including education, retirement, tax, and estate planning
• A separate investment plan following our investment philosophy
• Introduction to our network of specialists Initiate the financial plan

3. Implement

• Phase in the investment recommendations
• Help consolidate assets and organize statements

4. Monitor

• Monitor progress  according to the plan
• Adjust the plan and investment portfolio when necessary
• Inform you, your accountant and attorney of anything you should be aware of

 

The principles that guide our investment decisions

Our approach

 

Diversification

• Buying last year’s best-performing investment or worst-performing investment has never provided consistent superior returns

• Strategically diversifying a portfolio creates a higher level of predictability of outcomes and reduces the level of volatility of those outcomes

Tactical Asset Allocation

• We try to add extra return and attempt to reduce volatility by readjusting our sails as the wind changes

• We use a series of economic indicators like GDP and inflation, as well as fundamental factors like price-to-earnings ratios, dividend growth, and earnings projections as a basis for determining how big of a role each asset class should play in your portfolio

Dividends

• The evidence of the power of dividend income on total return is overwhelming

• Owning quality companies that pay and increase their dividends over time has proven to be a successful method of investing over time