Let’s face it - beyond the value of having a professional & experienced hand at the wheel safeguarding your financial future, you can probably find better ways to spend your day than re-running financial planning scenarios, running your own tax projections, managing your own portfolios, rebalancing across investments, or harvesting your own tax losses... (don’t worry…we’ll get there!)
As we move through onboarding, our team will lay out & implement your customized investment strategy based on your time horizon, tax situation, and unique financial circumstances. We will continuously review your investment program & update your comprehensive plan to ensure your money is working as hard for you as you have for it.
The single most important question you can ask a firm that you're considering delegating investment management to is the following: What is your investment philosophy and how does that inform how you manage money?
Let's take a deeper look at ours.
To start, here's how we ACT on your behalf:
We are fiduciaries & act in a fiduciary capacity....we understand what it means that you are choosing & trusting US to steward your life savings. |
We are an independent wealth management firm with open & equal access to the wide world of investing...we have no "headquarters" or "mothership" telling us what funds we "should" use. |
We eat our own cooking…the investment approach & specific strategies that we use for clients are EXACTLY the same as how we invest our money. |
Drucker Wealth's Investment Philosophy
1. | Capital Markets go up over time. As committed equity (stock market) investors, we are stakeholders in a collection of the world's most successful businesses. Some companies will succeed and some will fail, but on the whole, markets expand over time as competition drives innovation, progress, and growth. Being an equity investor means sharing in the growth & advancement that comes from billions of people pursuing their economic interests. Harnessing the extraordinary power of compound interest over long periods of time by investing in capital markets and then never interrupting that compounding is at the heart of any successful investment strategy. |
2. | Markets are efficient. This means they rapidly reflect public information, making stock picking or active fund management unlikely to add long term value. Instead, we believe in owning a globally diversified, low-cost funds to capture the full return of the market over time. Investors who attempt to “beat” the market essentially believe their own knowledge outweighs the combined wisdom of all market participants. In most cases, those investors usually fall short. Beating the market often involves taking above-average risk and incurring above-average costs—and most often those two trade-offs are simply not worth the potential reward. |
3. | Our investing behavior will determine our investment success to an overwhelming degree. In fact, our own behavior as investors will dictate our lifetime investment performance dramatically more the selection of ANY individual security or group of securities themselves will do. Natural human emotions like fear and greed are the enemy of consistency, and often lead to reactive cycles of buying high and selling low. (Think about it…investments are the only product in the world that people seek to purchase after the price goes up and that we’re hesitant to buy once the price has gone down.) |
4. | Building a tax-focused investment program will lead to greater After-Tax Returns. We employ strategies like tax asset location, capital gain budgets, custom indexing, & tax loss harvesting to maximize your after-tax returns. Consistent portfolio monitoring allows us to capture tax-saving opportunities. We look for every opportunity to offset future gains (this is especially important for clients with concentrated positions in company stock.) |
You can find a more complete rendering of our investment philosophy in Chapter 6 ("The Power of Equities") and Chapter 7 ("Your Emotions want to destroy your investments") of How To Avoid HENRY Syndrome®, the book by Gideon Drucker, CFP®, AIF®, ECA. |  |
Drucker Wealth Investment Management- A Full View
Our Three-Bucket Approach To Wealth
Our bucketing system, the process by which we allocate your financial resources into 3 “buckets” based on the time horizon of your financial goals, will allow you to invest (& remain invested) with confidence.
The buckets, and the allocation of resources within and between them, will change to reflect your needs as your life evolves over time.
Now
- Emergency/Comfort Fund
- Planned Expenses
Soon
- Opportunity $
- Tax-Efficiency
- Education Planning
Later
- Growth
- Retirement
- Inheritance
Why We Outsource Our Investment Management:
Let’s Control What We Can & Prepare for What We Can’t
Neither you, us or anyone for that matter can control the market, current or future political climates or possible economic forecasts. All we can do is control how we react and behave. That’s why we put a special emphasis on behavior coaching at Drucker Wealth. By securing our own plan in confidence, we can help to safeguard your investments and finances against potential pitfalls.
In Other Words...
Too busy building your career to build your own financial plan?
Download Chapter 1 of Gideon Drucker's new book, H.E.N.R.Y. Strategies Unlocked, free.