Investment Management

Investment Management Services

Hi there…

It looks like you found your way to our Investment Management page…

It is probably safe to say you wouldn’t have clicked on the page if you weren’t a little intrigued about what we do or how we do it…

Now if you are like many of our other clients then you are probably pretty busy

In fact, if someone looked at your daily, or even weekly, schedule they might wonder how you squeeze so much into your day, or week…

We get it… we are corporate executives and business owners too…

With over a decade of experience advising clients under our belt we quickly realized

The need to be efficient with our time…

The need to delegate mundane, rout, or sensitive tasks to those we could trust to get the job done was critical to our own personal and professional success…

Think about all of your accomplishments that may never have happened without those critical people in your life helping you maximize your potential…

Would those major milestones have been as successful…?

That is not to say, as busy individuals, we couldn’t tackle those tasks ourselves…

Rather, you would probably agree your time is probably best spent focusing on what you do best…

This is why it becomes important to build and surround ourselves with the right people at all times…

In fact, some of the most successful people in history (think CEO’s of Fortune 50 companies) had teams of people doing the rout tasks that allow the leader to free up their time, or mental bandwidth, for more important responsibilities…

 

Horion Ridge Wealth Management Financial Planning eBook

 

This is why you clicked on this page…

Maybe you wanted to find out if we had a better mouse trap…

Maybe you were interested in discovering what makes us distinctly different than your advisor, or our competitors…

Or maybe you were simply looking to free up some of your time by adding a critical person to your advisory team…

Whatever the answer… we can help

But how?

Today, big box investment firms offer a wide variety of investment strategies, often touting their strategy as unique, and possibly superior, to everyone else’s…

We think this is pretty bold…

We would go so far as to say “inventing” a new investment strategy without making some complex financial widget and packaging it as the newest thing since the fad of “Robo Advisors”…  is pretty difficult…

Typically difficult for investors to fully understand…

And typically difficult to achieve consistent above market returns…

At Horizon Ridge Wealth Management , we believe investment strategies have been commoditized and where one out-performs one year, it very well may under-perform the next…

Instead, we take a more holistic view of the markets and your money…

With an eye on controlling risk, we offer a truly comprehensive Wealth Management  approach…

Our system takes a holistic perspective of your life and then your investment objectives…

We then develop personalized investment strategies for your short, intermediate, and long term goals…

By focusing on the end objective, and not attempting to time short term market movements, we strive to tune out the noise and provide you with clear direction…

This is why using a goal based investment philosophy is critical when constructing an investment strategy directly tied to you, your family, and your personal or professional, goals…

Once we have agreed on your foundational financial principles, concerns, and goals we perform in-depth market level, then security level, research before investing your money…

Our team employs the following investment management process in the construction of your portfolio:

  1. Initial Screening. We provide an initial screening of investments based on your time horizon, risk tolerance, and financial planning   Then we work with investment managers and research analysts to evaluate different types of investments that fit your needs.
  1. Quantitative Analysis. Next, we crunch the numbers.  We review each potential investment’s risk characteristics, performance history, peer group ranking, investment strategy, and overall fit within your intended investment strategy.
  1. Qualitative Analysis. Next, we look at the “who” behind each investment.  We review the investment manager and their team, and evaluative what has contributed to the manager’s historical performance.
  1. Next up, we select the best options based on what we’ve learned and construct a portfolio that meets your needs.
  1. Once in place, we will monitor each investment’s performance and correlation to leading market indicators.

Now that might sound like a lot…

You might even be thinking that you don’t need that level of sophistication or complexity…

But we would challenge you to think back to those accomplishments in your life that were achieved with the help of others…

How many of those tasks, actions, or projects were you not directly apart of…?

And, yet without those detail intensive, and mundane, tasks – would the outcome have been as successful?

Would you have received the same high praise and accolades…?

How many more sleepless nights would there have been knowing you were responsible for the daily minutia…?

Would you have been as successful without your team…?

While we have faith in you and your abilities, there always comes a point when your time is better spent on other tasks, or projects…

 

Horizon Ridge Wealth Management Financial Advisor Checklist

 

So you are probably thinking, “Fine, I concede to wanting help… but there are plenty of other advisory firms out there”…

We agree…

However, consider some of the big box discount investment management firms for a moment…

You know which ones we are referring to…

Companies like T.Rowe Price, Vanguard, and Fidelity will give you basic fund guidance for free, or close to it…

Picture this…

You walk into a local branch, or maybe call the big box firm on the phone, and talk to one of their “advisors”…

The representative seems fairly knowledgable…

They proceed to ask you a number of questions that seems trivial at the time…

It may even seem scripted, though the pauses and inflection changes in their voice would tend to say otherwise…

Once the interview is over they provide you with their diagnosis of your situation and how they would remedy it…

Now normally this wouldn’t be a bad approach…

In fact, anyone you interview should want to get to know you, your life, your struggles, your goals, and a whole lot more…

But, that isn’t always what happens…

A planner should ask about all aspects of your life (health, relationships, liabilities) – not just ask “how much money do you have?” and then immediately offer a solution that is product-driven (e.g. annuities)

Now that is not to say every person at every discount advisory firm operates that way…

But we would challenge you to ask one of those advisors about something obscure and listen to their response…

Something like… “Explain how increasing my company’s EBITA at a CAGR of 18% will impact the risk I need to take within my investment accounts as it relates to retirement?”

A basic investment analysis or retirement plan wouldn’t address this type of analysis which means it would require the advisor to theorize…

We believe theories and experiments are best left in the classroom…

It should go without saying, but we will say it anyway, general investment management is not what determines financial success…

If it did then investment companies would struggle to compete with each other…

It would be like selling different flavors of vanilla ice cream…

If you go to the grocery store you might be lucky to find more than three flavors (e.g. vanilla bean, French vanilla, and classic vanilla)…

Building a comprehensive investment strategy starts with understanding all of the complexities in your life and then designing a logical, data driven, approach…

Only then would the investment professional be able to calculate the required rate of return, and corresponding risk level, to match each set of goals…

 

Horizon Ridge Wealth Management Application

 

Okay… “but what about the ‘Wire House’ or ‘Independent’ wealth management firms..? Don’t they offer more personalized and tailored services…?”

Those are great questions!!!

The answer is pretty straightforward and simple…

It depends…

Pretty earth shattering isn’t it…?

Many advisors are taught to “sell the enterprise”…

And forget specializing in fee-only wealth management & financial planning…

Unless they are an established advisor with over $1 million dollars in annual fee-based production…

And yet they still only receive between a 32%-42% payout…

Not to mention potential conflicts of interest or a lack of a client friendly business model..

Think about it…

If you were paid to sell apples, how much time would you spend recommending oranges… especially if you were not paid to do so…?

Now we are not saying individuals at these firms do not provide extensive resources, or have access to top tier research, but how many of them actually build the investment strategy…

A sharply growing number of financial advisors are outsourcing their asset and investment management to third parties, often referred to as “turnkey asset management programs,” or TAMPs…

That means they act as the “middle man” collecting a fee from you to access another company’s investment strategy…

So, our question to you is pretty simple…

Are you comfortable paying someone to manage your accounts who in turn hands the investment management off to someone else…?

At this point you are probably thinking there is no hope…

Then you remember our comment about “Robo Advisors”…

Does it make sense to lean on some of these technologically advanced trading algorithms to manage your family’s investment future…?

That depends on how much you trust technology and whether you think Alexa, Watson, or the next hot fad will turn into Skynet…

Frankly, think back to the 2007-2009 Great Recession…

Would you have felt as comfortable about the bottom falling out of the market, and correspondingly your portfolio, if you couldn’t have talked to a human…?

By now you probably feel like there is no hope, again…

Who are you supposed to turn to..?

Who is going to construct a tailored investment strategy that fully integrates with your personal short, intermediate, and long term goals…?

What about you…?

Can you do it…?

Do you feel you have the skill, will, and time to actively manage your family’s financial future…?

How comfortable do you feel with researching and managing risk adjusted investment models that are matched to you goals and require weekly, possibly monthly, ongoing supervision…?

No?…

Not something you have the time, or skill, to actively manage on your own?…

 

Horizon Ridge Wealth Management Top Six Retirement Risks

 

At this point your inner monologue is all over the place and it sounds something like this…

“If free advice is basic, the advice from full service firms is tied to how they are paid, robots will eventually take over the world, and I don’t have the time to do it on my own then I will just pick a few investments and just let my portfolio ride…”

We call this the “I Can Do Anything” mentality…

Too often when someone is overwhelmed, they don’t know who to trust, or they just can’t see “the light at the end of the tunnel” they tend to throw their hands up or kick the can down the road…

One of the biggest roadblocks to being successful in life is the inability to take the first step…

Taking the first step is hard…

So hard that people elect not to change eating habits, go to the gym, or course correct their financial future…

The lack of inertia kills so many dreams…

But you are successful…

You have taken so many first steps in your life that while inertia is difficult, it doesn’t hold you back…

What holds you back is time…

Therefore, you look for those trusted advisors you can add to your team who will maximize your most valuable resource…

What is that resource…?

Time…

When you can trust someone to take the responsibility of a major project off your plate so you can focus your attention on other things then they become indispensable…

But to trust them you need to know they are qualified…

You need to know they have experience…

You need to know they have worked with people just like you…

You even want to know that they have weathered good and bad situations, and can be nimble enough to think ahead and pivot when needed…

This is where Horizon Ridge Wealth Management comes back into the picture…

See we have been down this road with many clients over the last decade…

We understand what it takes to build a comprehensive financial plan and investment strategy that integrates your investment horizon, your risk profile, your goals, the market’s projected volatility, and your family’s financial future…

We work with thought leaders, titans of industry, community activists and leaders, and executives that are deeply integrated in the day to day operations of what made them so successful…

In fact, we operate with the highest level of transparency, always putting our client’s interests above our own, and use research that comes from a plethora of independent sources…

In other words, we make it a priority to provide the highest level of service, research, advice, and feedback that is readily available to us…

We even go so far as to publish our investment management process for anyone to read

 

Horizon Ridge Wealth Management Investment Process

 

 

We aren’t afraid of other companies copying our process, approach, or strategy…

If we can force our competitors to raise the bar and elevate the value they provide to their clients then we have indirectly helped more people…

 

Horizon Ridge Wealth Management Financial Advisor Checklist

 

It should be noted that due to our high attention to detail, full transparency, and dedication to every one of our clients…

We do not work with everyone…

In fact, we limit all of our Wealth Managers to 75 ongoing household relationships…

Furthermore, at Horizon Ridge Wealth Management we feel our Wealth Managers, and investment committee, need to have the highest level of education and experience when working with you…

This is why many of our Wealth Managers hold multiple designations, like…

  • The CERTIFIED FINANCIAL PLANNER™ certification…
  • The Certified Divorce Financial Analyst® certification…
  • The Chartered Special Needs Consultant™ designation…
  • The Certified Exit Planner Advisor® designation…

While these certifications and designations do not fully encompass all of our knowledge, they provide a peek into the scope of experience we provide…

However we are not done…

When building our portfolios we painstakingly construct four legs to our investment portfolios thereby allowing our firm to optimize our portfolios for risk adjusted returns…

How…?

Well that is something we reserve for meeting with our clients…

We can’t share all of our secrets… just yet…

At this point we usually hear clients asking…

“How much does it cost to manage my money…?”

Well this is one the best parts to our approach!!!

Since your strategy is tailored to you

Since your plan is built to maximize the outcome for your financial future

Since your goals are what lead our investment process…

We can’t give it away for free…

Nor would you want us to…

Have you ever heard the adage… “You get what you pay for..?”

Well cookie cutter outputs do not require much time to construct and tend to be handed out to everyone…

Your situation isn’t necessarily like everyone else’s….right?

But we also do not charge ungodly amounts either!

Traditional brokerage firms will offer broader portfolios and go fee-only but at costs that can top 2% a year to actively manage YOUR money…

An extra percent or two, pulled from an account every year, can cost a long-term investor hundreds of thousands of dollars at the end of the day, so fees do matter

Then to throw salt in the wound some of those investment firms pass the transaction costs associated with what THEY CHOOSE TO TRADE on to you…

Thereby lowering your net return even further…

Happily, we remain completely transparent in all of our processes, financial and investment!

We charge between 0.50% and 0.75%, annually, to active manage our client’s investments ONLY IF we house the assets under our custodian’s investment platform…

Oh and we absorb all of the transaction fees associated with any trades we place in our client’s portfolios…

 

Horizon Ridge Wealth Management Investment Management Application

 

In fact, if you compared our investment management pricing to our competitors we provide one on one support, full service advice, customized strategies, and active management (with alternative investment components) for what some “Robo Advisors” charge!

Wait what..??

It’s okay… we will wait for your applause…

However we aren’t done…

See if a client doesn’t want to transfer their accounts under our custodian’s umbrella we can still provide investment support and direction on an hourly basis…

That’s right!

If you need help or want counsel on how to manage all of your accounts at different companies…

We can help…

This means we can work with you ANYWAY you choose…

Let that sink in…

You get to define the scope of the relationship, whether your accounts stay where they are or are transferred to our custodian, and how involved we are in the ongoing management of your investments…

So now the only question you need to ask is…

“When do I want to start the interview process to add Horizon Ridge Wealth Management to my advisory team..?”

It goes without saying that we are always looking for dream clients to work with…

This is why we created an application process…

We know we are not a fit for everyone, and not everyone is a fit for us…

We also only work with a limited number of clients, as noted earlier…

This makes it extremely important to ensure we find the right partners…

We want to work with people who want to be engaged to a point, but need the expertise and experience of highly educated financial professionals to manage their financial affairs…

So now you get to decide…

What is holding you back…?

Apply NOW and discover if we are a match…

 

 

**Investing involves risk including loss of principal.  No strategy assures success or protects against loss.

                           

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