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Clients targeted for this strategy are typically in a phase of intense financial accumulation. You’re likely in the early years of generating significant household income and making financial savings. You need guidance on setting up financial vehicles and structures into which you can direct this savings—retirement and education savings accounts, other tax-advantaged investments, proper asset diversification, and perhaps forming the initial shape of an estate plan. You may want to discuss giving strategies.
You’ll often have incentive-based stock ownership through your employer or maybe you’re growing businesses of your own, building equity that could be illiquid and may grow to be large in the context of your overall financial picture. You may need education on the tax, concentration, and liquidity implications. As a Builder, you are growing more than just your financial savings; you’re often building businesses, communities, and families as well.
As a Builder with a long-term time horizon and low liquidity needs, a large majority of your investment portfolio will typically be allocated to Tschetter Group’s stock strategies. We build these portfolios one company at a time with an objective of maximizing long-term growth without taking undue risk. A much smaller portion of the portfolio is typically allocated to Tschetter Group’s bond strategies or other investments that in our view have a more stable value profile. This allocation may be increased to appropriately address any significant near-term liquidity needs.
Although your financial situation is well established by now, you’re still in the financial accumulation phase. You’re generating significant household income, and often your ability to save has increased since the “Build” years. While your financial setup may be well-defined, Growers need continued guidance on optimizing your structure and adjustments are often needed to ensure proper diversification and tax efficiency.
Your professional careers or businesses have taken shape and are thriving. You may still need guidance on managing the tax and diversification aspects of incentive-based stock or business ownership. When these assets represent an outsized part of your total financial picture, a sensible divestment or diversification strategy is often valuable.
The investment time horizon for Growers is still typically long and liquidity needs are generally low, so a large majority of your investment portfolio is allocated to Tschetter Group’s stock strategies. We build these portfolios one company at a time with an objective of maximizing long-term growth without taking undue risk. A much smaller portion of the portfolio is typically allocated to Tschetter Group’s bond strategies or other investments with a more stable value profile. This allocation may be increased to appropriately address any significant near-term liquidity needs.
You are approaching or in the stage of life where you’ll need to draw on your investments to fund life’s expenses. You may have sold a business, reduced your working hours or retired altogether, therefore reducing your actively-generated household income. You may choose to simplify a bit, but you’ll still want to stay engaged in the things that make life meaningful—hobbies, family gatherings, philanthropy, and community. This combination of reduced income while living a full life requires distributions from investment assets to meet your needs. You’ll need guidance around tax efficiency and proper diversification for distribution decisions, similar to the Build and Grow stages.
Diversification of concentrated business or incentive-related stock holdings continue and may accelerate as employment or active involvement in the business has diminished. Estate plans by now are well formed but should still be periodically reviewed to ensure individual and family wishes are properly reflected.
Generally, the time horizon for Impacters is shorter than for Builders and Growers. The need to tap investments for spending typically requires liquidity and stability for a significant portion of the portfolio. Tschetter Group-managed investments are typically more balanced stock and fixed income strategies.