Reaching Your Financial Goals

We take pride in helping clients manage their savings based on a custom built financial plan. We want to help you understand where you are financially today and get an idea of where you want to be in 5, 10 and 20 years. This is the essence of a financial plan. Your financial plan serves as a road map, which helps determine the level of risk exposure necessary to accom plish your financial goals.

We feel that your financial plan needs to be changing and evolving with you over time as your life and your financial situation changes. Your financial plan serves as a GPS that alerts you when changes may need to be made to your investment portfolio.

Here are some important questions to consider when managing your investments:

  • Are you facing a major life transition that will affect your financial profile, such as sending your son or daughter to college?
  • What tools are you using to determine how much risk you need to be taking with your investment portfolio today?
  • As you get closer to your eventual retirement and your portfolio has grown over time, how are you monitoring your investments based on the progress of your financial plan to determine whether you can reduce risk?
  • How are you making important choices about shifting portfolio assets and modifying your asset allocation over time?

What is your ultimate goal in investing?
We believe the benefits of coordinating your financial planning with your investment management is priceless. Most investors are determining the majority of their investment decisions based on what is going on in the stock market. Ted Buchan & Company determines the majority of its investment decisions based on what’s going on in your life and how you can achieve your goals. Most investors think they have done a good job if they outperform the S&P 500 in their investment portfolio. Our firm believes your best outcome is when you achieve your financial goals while exposing yourself to the least amount of risk within your investment portfolio.

What type of investments are used within your portfolio?
We choose a combination of passive and actively managed investments within our portfolios, which are primarily composed of mutual funds and ETF’s (Exchange Traded Funds). We use an investment selection process that leads us toward owning mutual funds with low fees, seasoned management, strong performance based on risk vs. their peers and an investment process that has a strong track record. Feel free to have us give you a second opinion on your portfolio. You may be surprised at what you learn.

Are You A Seasoned Expert?

If you ran California’s pension plan would you hire yourself to manage the investments within the plan? This question may sound ridiculous to many people as they lack the training, the credentials, experience, a tested investment process or a proven track record. Unfortunately, with the advent of 401k’s throughout corporate America over the past 15 years, millions of Americans have inadvertently hired themselves to manage their own investments. With the eventual phasing out of pensions being offered by employers, individuals are being forced to learn how to prudently invest their own money for retirement or risk running out of money in retirement.

How are you learning to invest your savings?
Most families are learning how to manage their money by trial and error. Many are deliberately trying to educate themselves through friends, colleagues and the enormous amount of information accessible via the Internet. Sadly, some are keeping all their money in savings accounts earning less than 1% annually because it is the simplest choice. At the end of the day most individuals, rich and poor, are still trying to learn the best way to invest their savings.

An investment partnership
Our promise to you is quite simple. We promise to provide a personal, proactive and comprehensive approach to you, the client, with expert guidance and peace of mind as we help you navigate the financial highway of life. We believe in our current environment of information overload and financial uncertainty, collaboration with a seasoned financial advisor is a prudent way to achieve personal and financial wellbeing.