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Wychick provides comprehensive financial services including:
FINANCIAL PLANNING
At your first meeting, you will begin building a relationship to last a lifetime. After learning about you, your current financial situation and your goals for the future – whether it be funding a child’s college education or being able to travel extensively after retiring – we’ll design an investment strategy and asset allocation model designed to avoid potential shortfalls and help you reach your goals.
Wychick employs the most current and sophisticated financial planning software available to help you meet your financial goals. Retirement planning includes Monte Carlo simulation of asset portfolios, and shock testing of retirement plan assumptions to help ensure that life’s little bumps do not jeopardize your financial well being in the future.
INVESTMENT MANAGEMENT
No two investors have the same financial requirements. As an independent investment advisory firm, we have access to a wide array of investment vehicles. We assess these products with your goals in mind; recommend only those that meet your risk tolerance requirements, and work to help you reach your objectives.
Delivering superior investment management appropriate to our client’s goals and risk tolerances is the primary focus of our company. We attempt to provide positive absolute returns in our clients’ portfolios every year, regardless of market conditions. To do this, we evaluate all types of financial investments on a global basis, and are not limited to investments within the United States. We consider all asset classes; stocks, bonds, alternative investments and cash, and place our clients portfolios into what we feel is an appropriate allocation for their needs, with the best chance of investment returns today.
We attempt to provide long term strategic investment solutions, overlaid with mid-term tactical considerations. We work with our clients developing a long-term asset allocation appropriate for their risk tolerances, which is the ‘game plan’ for investment management decisions. However, even though we have a game plan, investors need to consider market trends and economic forces in the short and mid-term. We balance our long term plan, with current economic and market realities, and attempt to develop a portfolio that is right for the investors long term needs, but will work today.
Investment portfolio return has two components –
- the performance of the portfolio
- the cost of running the portfolio
It is impossible to determine what the performance of a portfolio may be, but by partnering with Fidelity Investments, the 2nd largest Registered Investment Advisor asset manager in America, Wychick minimizes clients trading costs and attempts to reduce the management costs of your investments. In general, clients find that it is extremely cost effective for Wychick to manage your portfolio versus your current provider.
WEALTH MANAGEMENT
Investment management is only one aspect of our clients’ financial needs. We will also work with them on other challenges; estate planning, charitable giving, insurance, retirement and education planning,
RETIREMENT
We meet many of our clients at one of the largest events of their lives – retirement! Whether they are considering taking a distribution from a qualified plan or selling their business, in many cases the retiree has one of the largest, and maybe the most important, financial windfall of their lives. It is absolutely essential that these monies by invested to provide a life-style acceptable to the client, with the need for principal safety to ensure the money will last for the rest of their lives, and possibly to provide a legacy beyond that.
Wychick excels at retirement planning. We will work with future retirees to develop a retirement asset management plan which allows our clients the freedom and flexibility to make adjustments in the future.
INSURANCE
Life is full of uncertainty. Although it may be an uncomfortable topic, do you have a plan in place to provide for loved ones in the event of death or disability?
- Can your family maintain its current lifestyle?
- Will your children receive their full education?
- Can your spouse enjoy a worry-free retirement?
Insurance can help mitigate these circumstances and provide peace of mind. After discussing your situation and your insurance needs, we will look at the range of products – whole and term life, annuities, disability and more – to determine what’s suitable for you.
ESTATE PLANNING
No matter what your age or circumstances, now is the time to consider estate planning. You need to think not so much about what you’re worth now, but what you’ll be worth in the future. We can help you ensure that when the time comes, your assets are distributed the way you want., take advantage of current trends and make sure you don’t miss opportunities to grow your assets, while at the same time keeping Uncle Sam’s share to a minimum.
PORTFOLIO SECOND OPINION
If you have an account with another advisor and would like a second opinion, we will be happy to provide a forensic review that can help you determine whether your portfolio is performing as expected and whether your other advisor is offering suitable advice based on your circumstances.
TAX PLANNING
Prudent tax planning is a critical component of any investment program. At Wychick Investment Advisors, we work to minimize your tax burden by managing your investments based on their potential for growth and associated tax exposure.
YOUR PRIORITIES COME FIRST
We recommend only those investment strategies and products that fit your financial goals. We are happy to consult with your current attorney or CPA, and through our strategic alliances can recommend professionals to help meet any of your additional needs.
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