Drucker Wealth is a firm focused on financial planning.
investing is an important part of any financial plan.
Once we’ve completed your comprehensive Financial Life Plan™, we will know how best to utilize the power of investing to accomplish your financial goals.
While your Financial Life Plan™ will include a detailed guide for you to implement our recommended investment strategy, we’ve found that many clients are looking for professional help in managing, coordinating, & maximizing their investment program on an ongoing basis.
That’s where our investment management services come in.
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 managing your own portfolios, rebalancing across investments, or harvesting your own tax losses... (don’t’ worry…we’ll get there!)
At the plan’s conclusion, our team will help you execute the investment strategy we’ve laid out together based on your risk tolerance, tax situation and unique financial circumstances, and we will continuously monitor your investment program over time to ensure your money is working as hard for you as you have for it.
✔️ All successful investing is goal driven and planning driven.
🚫 All failed investing markets driven and current events driven.
This is why your personalized investment plan will be carefully designed around you and your financial goals.
Your tax rate, income, cash flow, behavioral profile, and risk requirements will be used to guide our recommendations.
While we think this one idea pretty much captures everything…we’re happy to dig deeper into our core beliefs, investment process & approach (honestly, we can’t share these ideas enough!) Here it goes...
At Drucker Wealth, we believe capital markets can create remarkable value for investors. For those who stick around long enough to capture the returns, history shows that markets provide disciplined investors with a unique value proposition, including high expected returns (compared to other assets classes) with virtually no requirement of individual effort or time commitment. Few investments can boast those kinds of dynamics.
Our investment roots are most influenced by the science of investing and behavioral economics as well as our lived in experience as an investment management firm for over 60 years.
Through 6 decades, we have guided our clients and their families through 14 bear markets, 8 American Presidents, 5 wars, and thousands of one-on-one conversations about “the markets”.
|While 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 Gideon Drucker CFP® AIF® recently published book,|
here are our core principles:
- Capital Markets go up over time. Some companies will succeed and some will fail, but on the whole markets expand over time as competition drives innovation.
- It’s not about timing the market, but rather your time in the market (especially for our young H.E.N.R.Y.’s) that will determine your degree of investment success. Harnessing the extraordinary power of compound interest over long periods of time by investing in securities designed to outpace inflation and preserve your purchasing power is at the heart of any successful investment strategy.
- 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.
- 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.
Instead of chasing returns, we take a more systematic approach to trading and investing. Our philosophy is to build a portfolio that owns a share of the “entire market” that will provide the sort of diversification (across asset class, sector, style, and geographic locale) that we’re seeking to achieve.
In addition to following research-based principles, we build portfolios of diversified investments across countries, companies, and currencies that are specific to your individual age, need for liquidity, personal spending and major purchase goals. Your timelines, risk requirements, and savings objectives are specific to you, and must be understood before any decisions are made with your money.
Beyond the mechanics of a well-constructed portfolio, we believe the biggest factor in your overall investment success is how you behave during tough markets. 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.) Of all the ways an experienced investment advisor can help you achieve better returns, behavioral coaching to help you stay the course is the most impactful. See Vanguard’s “Advisor’s Alpha” report.
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.
Preserve principal and reduce overall portfolio volatility.
Generate cash flow while limiting volatility.
Manage volatility and focus on opportunity for appreciation, accept greater volatility.
Investment Management Services
DID YOU KNOW?
Vanguard research shows an advisor can add:
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...
Is your appetite for risk aligned with the risk in your current portfolio?
Ready to find out your Personal Risk Number?