So what do we do about it?

You need to know that you have a plan that makes sense for you, and that’s why our trademarked planning process starts by clarifying your vision and values. Then we help you identify goals that will move you toward that vision. Once they’re clear, then we can build a plan that adds up, and serves the only goals that matter; yours.

The Wealth Optimization System™ follows a simple flow: Discovery, leads to Clarity. When you have Clarity, it leads to Decisions. Decisions lead to Results. And when you get results, it leads to Confidence.

There are four quadrants to our process: Discovery, Creative Solutions, Strategy Deployment and Results Management.

1. Discovery: Identify Vision and Goals
   The first phase begins by identifying your Vision for the future, your Values, your goals, and then thinking clearly about the problem. This is called the Discovery phase and this is where clarity is achieved around your Vision for the future, the Values guiding your decisions, and the Goals that need to be achieved to get there. We’ll also clearly identify the Planning Gaps that need to be handled.
   
   
2. Creative Solutions: Think about the solution
   The second phase is the Creative Solutions phase where we think clearly about the solutions and make recommendations to close the Planning Gaps, and you make decisions about your next steps.
   
   
3. Strategy Deployment: Implement the solution
   The third phase is the Strategy Deployment phase where we help you implement the solution and move toward your desired results.
   
   
4. Results Management: Sustain the results
   The final phase is the Results Management phase where we continue to manage and implement the results. This assures you have confidence your plan will work over time.

First, it’s probably useful to know that we’re part of a bigger group that is a real powerhouse. The Watermark Group has four teams; our CPA Group, us (Watermark Wealth Management), our Risk Management group, and The Watermark Group Charitable Fund. From financial planning, investment management, risk management, tax, audit, merger and acquisition and forecasting, to projections, cash flow analysis, financial statement trends, benchmarking, and charitable giving, we really bring a lot of muscle to the planning table.

Our wealth planning process helps you find clarity before you take action. Having an Investment Philosophy lets us do the same.
There are three governing thoughts to our investment approach for our clients:

1. Partner with some of the academic elite in the field of capital markets and finance so that we have access to leaders, not just followers.
2.  Markets are efficient, and beating them over the long term is difficult, so using globally diversified portfolios is key.
3.  Construct investment plans based on 4 factors: Stock Premium, Size Premium, Value Premium and Profit Premium. That means that plans are created with the fundamentals that:
   • Stocks outperform bonds over time (Stock Premium)
   • Small cap stocks outperform large cap stocks over time (Size Premium)
   • Value stocks outperform growth stocks over time (Value Premium)
   • Profitable companies outperform less profitable companies over time (Profit Premium)

You worked hard to create your wealth. Investing it with a plan that makes sense, makes sense.