“FIRST, I gather your vital financial information, including what makes you different from all other clients.”
  • Basic facts, like your age, income, assets, and debts.
  • Your educational needs—for you, your spouse, or your children.
  • The level of risk you’re comfortable with, compared with the level indicated by your age, income, and assets.
  • The structure of your 410(k) and roll-overs, if any.
  • Your tax situation, retirement income needs, and estate planning issues.
  • Other issues, such as the needs of a business you may own, real estate, health, and marital status.
“THEN, I use my professional skills and experience to create a one-of-a-kind profile for you.”

I work with you to create a program that closely supports your needs and goals. Here are some facts about my background.

Professional credentials

  • Financial Advisor for 15 years
  • Chartered Retirement Planning Counselor
  • Certified Financial Planner
  • Certified Public Accountant
  • MBA from New York University

Personal

I’m in my mid-forties, married, with two noisy boys and a beautiful little girl. We live in Westchester County, NY, with a lawn that takes too much time and money. My wife and I like to compare notes on the books we read—we’re both history buffs.

“FINALLY, I draw on the global resources of Keller Stone to build an ongoing investment program that matches your needs.”
  • The largest staff of economists, stock analysts, bond analysts, and strategists in the individual wealth management industry.
  • In-depth expertise in fundamental, quantitative, and chart-based investing, all on a global basis.
  • Established expertise in tax law and estate-planning issues.
  • Global reach and expertise in commodities, timber, currency, and other kinds of alternative investments.
  • 60,000 professionals in 40 countries for on-the-scene research and the ability to serve you wherever you are.
Meet Harry and Janet Sprague
Photo of Harry & Janet Sprague

After talking with them, we saw that their most important goal was to fund their children’s education.

Of course, they were also concerned about retirement and how to invest their 401(k) money. Their combined

income is substantial, so taxes were another issue.

Also, we noticed that both have a higher risk tolerance than most people in their situation.

Based on these and other facts, we suggested the program outlined below.

The Spragues Investment Program

First, we made sure the Spragues had enough cash reserves. Then, to address their education goal, we advised them to set up separate, tax-deferred 529 plans.
To fund the plan, we recommended a moderately aggressive portfolio of stocks,

mutual funds, and tax-advantaged municipal bonds. We made sure the Spragues had a prudent amount of diversity, with enough flexibiity to hold recommended securities. We applied the same thinking to the Sprague’s 401(k)s.

Pie chart of Spragues' asset allocation - Stocks 72%, Bonds, 22%, Cash 6%

Finally, we set up a system of periodic reviews to make sure their investments continue to match their situation.
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