As a Registered Investment Advisor we serve
as a fiduciary, with a legal and moral responsibility to act in our
clients' best interests.
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Before managing any assets, we get to
know you as a person--not a portfolio. Because our focus is on
meeting your goals, we need to learn your history,
your family make-up, your hopes and dreams. We also need to
know your fears, and the uses short and long-term you
have planned for your wealth. |
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We do not take possession of any of
your assets or act as a custodian. Instead, we use Fidelity
Investments to provide this function, although we
can work with other custodians at your request. |
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If you wish, we can recommend tax and
estate planning attorneys or accountants. |
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Your needs and financial goals are unique,
so our investment advice will be tailored to suit your specific
circumstances. As your life changes, and as your portfolio grows, we
will adjust our strategies to meet your changing need.
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At Pacific Investment Advisory we provide:
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After an analysis of a client's circumstances and
objectives and a realistic look at potential risks and
returns, we develop an appropriate Asset Allocation
strategy to minimize risk, given the client's goal.
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Retirement Projections - our
interactive software, shows how long your portfolio will
last under various conditions with
differing distributions, and at various rates of growth and
inflation. |
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Income reports on a regular
basis, and responsive, personal service at all times. |
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Full fee disclosure. |
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Licensed by the State of California. |
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Communication regarding all
substantive changes to the investment strategy, asset mix
and portfolio structure. |
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Trustee Services:
Trusts are often used to preserve capital and facilitate the transfer of wealth
to later generations.
Administrative Trustee Services, offered through Fidelity Personal Trust Company at a minimal
cost, are designed to suit the specific needs of high-net-worth clients.
Tax-Efficient Investing
Without efficient tax strategies, even the greatest investment returns can be lost.
We will work with you or your CPA to maximize tax efficient investing.
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We invest in the following (as appropriate):
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Equities |
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Taxable and Tax-Exempt Bonds |
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Mutual Funds with no-loads, low expense ratios, and no or low 12B-1 fees |
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Options, including Puts, Covered Calls, and Collars |
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Other high-yield short-term instruments. |
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The criteria utilized do not guarantee gains or profits, nor is past
performance a guarantee of future gains or profits.
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