Wealth Management

Wealth Management
The term “wealth management” refers to planning for all phases of your financial life. Whether your goals include investing, accumulating assets, creating a retirement income plan, educating your loved ones, managing your risk, planning your estate, implementing tax strategies, optimizing your cash flow, or transferring your business, we can help you capitalize on potential opportunities, simplify decision making, and avoid common mistakes.

The planning process begins with gathering data from you. From there, we will help you set and prioritize your goals. Next, we will perform an in-depth analysis of your situation, evaluate your options, and develop a plan on your behalf. Then, we will present your plan, help you implement it, adjust it when necessary, and monitor your progress. Keep in mind that this process seems simple in theory but may be difficult to implement in practice. For that reason, we take a proactive approach to evaluating what may or may not be working and guiding you each step of the way. Although circumstances may change greatly, our service will never falter.

Core planning areas include:

  • Retirement planning
  • Investment management
  • Risk management
  • Estate planning
  • Accumulation
  • Investment analysis
  • Business planning
  • Taxation
  • Cash flow and budgeting
  • Personal finance
  • Trusts and charitable gifting
  • Debt management
  • Education planning

Investment Management
In a world of economic, political, and market uncertainty, we are more aware than ever of the importance of a disciplined investment strategy that agile enough to adapt to rapidly changing market environments. We feel that risk management is paramount in any portfolio, whether you are a conservative or an aggressive investor. After all, it’s fairly easy to make money in a rising market. It’s difficult, however, to keep from losing money in a declining environment. We feel that if we can help manage your downside risk, you will be better positioned to make money over the long run. Furthermore, our research is fueled by multiple research tools and resources, with a specific emphasis on both qualitative and quantitative metrics.

Our investment process begins by tailoring a strategy that fits your specific tolerance for risk and financial objectives. Once your strategy is defined, we take an active approach to managing your portfolio and holding review meetings with you.

Investment Products
Because we are an independent firm, we are able to choose from an entire universe of investment products with no bias toward a particular investment company. These products include, but are not limited to, more than 13,000 mutual funds, CDs and money market accounts, separately managed accounts, individual equities, options, fixed income products, precious metals, limited partnerships and private placements, variable annuities, hedge funds, unit investment trusts, managed futures, and various other alternative investments.

Alternative Investments
Did you know that, at one time, small-cap stocks, bonds, and international equities were considered alternative investments? Years ago, investors scoured the investment world for ways to diversify their portfolios, reduce risk, and capture more returns. Today, however, these assets are considered a viable part of most portfolios and aren’t considered alternatives at all.

At Grinkmeyer Leonard Financial, we believe the world of investments is changing once again; therefore, we offer alternative investment vehicles that could help minimize volatility and diversify investments beyond today’s typical means. From business development companies (BDCs), real estate investment trusts (REITs), and leasing products to oil and gas offerings, and managed futures, we have access to a wide array of alternative products.

Investing in alternative investments may not be suitable for all investors and involves special risks, such as risk associated with leveraging the investment, potential adverse market forces, regulatory changes, and potential illiquidity. There is no assurance that the investment objective will be attained.

Insurance
Insurance plays a role in virtually everyone’s life. As you plan for your future, substantial risks could derail even the most conservative plan. A premature death, an illness or accident, or extensive health care costs can turn financial prosperity into financial tragedy very quickly. We can help you mitigate those risks in the most efficient way possible. 

As independent advisors with no proprietary restrictions, we have access to multiple providers and can help ensure that you are getting the most suitable product at the best price. We offer:

  • Variable universal life
  • Universal life
  • Whole life
  • Term life
  • Long-term care
  • Long-term disability
  • Buy/sell and key man coverage