Wealth Management

Investment Management: A Proven Approach

Since your situation and objectives are unique, we bring a customized approach to the selection and management of your investments. Whether your goals include growing your assets, preserving your capital, or gaining exposure to nontraditional asset classes, we will work with you to create the right strategy to achieve them. Using rigorous due diligence, we seek to identify the best and active, passive, and alternative managers with strong track records, robust processes, and low expenses.

OptiFour’s Investment Process-The Six P’s of Due Diligence:

  • Performance: Track Record
  • Philosophy: Investment Rationale and Thesis
  • Process: Investment Methodology and Implementation (Is it Clearly Articulated, Well-Defined, and Repeatable?)
  • People: Portfolio Manager or Team (What is their Education, Experience, Skills, and Tenure in respective roles?)
  • Parent: Firm Ownership, Resources and Reputation (What is the Corporate Culture, Compensation Structure, Stewardship, Level of Employee Ownership, and Independence?)
  • Price: Expenses

OptiFour's Investment Process

The Active/Passive/Alternative Approach

  • Active Sleeve - Flexible All-Cap and All-Asset Strategies
    • Fewer managers, dynamic and integrated across asset classes, geographic regions, and styles.
    • Managers have greater flexibility and accountability
    • Provides better transparency, integration, and risk management at portfolio level
  • Passive Sleeve - Low-Cost Index funds
    • Indexing compliments active management
    • Smooths portfolio returns and improves consistency
    • Broadens diversification and reduces costs
  • Alternative Sleeve - Non-Correlated Strategies
    • REITs, Commodities, Managed Futures, Infrastructure, MLPs Option-Writing, etc.
    • Adding Alts can reduce risk and improve returns
    • Alts are portfolio's Shock Absorbers
    • Achieve Thrill of Victory Avoid Agony of Defeat

Adding Alternative Investments to a Stock/Bond Portfolio Reduces Volatility and Increases Returns

Financial Planning: Our Approach

At OptiFour, we specialize in developing financial plans that satisfy your short-term goals while laying the foundation for your future. To accomplish this, we take a comprehensive approach that addresses three essential areas:

  • Examining your current situation
  • Defining financial goals
  • Continually measuring your progress

From start to finish, an OptiFour CERTIFIED FINANCIAL PLANNER™ (CFP®) professional will walk you through our proven financial planning process to help you achieve your goals. As conferred by the CFP® Board of Standards, our time-tested process goes as follows:

Establishing the Relationship: Successful planning starts with trust. We dedicate our initial meetings to learning about you and your life, both inside the financial world and beyond it.

Discovery and Data Gathering: We seek to gain a thorough understanding of who you are and what you value most. Working from that foundation, we can define your personal and financial goals and build a framework to grow and protect your wealth.

Evaluating Financial Status: In addition to exploring your goals, we will analyze your risk tolerance, time-horizon, business commitments, family situation and more. By conducting a thorough evaluation of your current financial situation, we can develop strategies engineered to achieve your goals.

Develop Your Plan: After gaining a comprehensive view of your financial life, our professionals will craft plans tailored to your unique profile. Through every stage of our partnership, we are committed to enhancing your understanding of the strategies in place. Each of our proposals is dependent upon your review and endorsement.

Implementing Your Plan to Action: To protect your financial future, we will ensure all areas of your plan meet your expectations. Before implementing your custom strategies, we will ensure your plan is seamlessly integrated across every discipline.

Monitoring Your Progress: Comprehensive wealth management plans adapt to the unexpected. As markets and economies change, your financial plans must have the elasticity to meet your unique and evolving needs. Through ongoing strategy meetings and reviews, we will stay vigilant and work alongside you to promote your continued success.

OptiFour's Planning Process

Steps to Develop an Investment Policy Statement (IPS)

Please Note: The scope of any financial planning and consulting services depends upon the terms of the engagement and the specific requests and needs of the client.  OptiFour does not serve as a law firm, certified public accounting firm, nor an insurance agency. OptiFour does not prepare legal documents or tax returns, nor does it sell insurance products. As described on OptiFour’s written disclosure Brochure, if the client desires, OptiFour’s affiliated law firm, Cohen & Burnett, PC, can be engaged to be provide legal and tax preparation services per the terms and conditions of a separate engagement and fee.