Investment Advisory

Initially, when you come to Big Timber Wealth Management with money to invest, we will have a conversation. We want to get to know who you are and the things that are important to you. We want to get a sense of the big picture in your life so we can determine how this or any other part fits in. Together, we will discuss what kind of investor you are. We will agree on how long you want your money to be invested and the expectations for your investment.

Second, as a result of this conversation we will run a scenario that will show us the potential value of your account over given periods of time. If you need income from your account we will create an illustration of the potential for income from your investment.

Third, once we agree on a specific mix of investments we will create an Investment Policy Statement, or IPS. This document applies to investing your money like the “Rules of the Road” apply to driving. Just as we have to comply with a set of rules for driving our vehicles on public roads, the IPS provides a set of guidelines for investing your money in the marketplace. 

These guidelines stipulate that we both of agree on a set of expectations for your investment:

  • The expected rate of return, or how we expect your investment to grow
  • The risk of changes to the value of your investment over given time periods
  • The duties of your advisor and custodian
  • The objective criteria we use for both selecting and monitoring investments
  • The benchmarks we use for comparing your investment performance
  • The costs associated with your investments

Fourth, we will set up a schedule to monitor your investments and maintain regular conversations that address your original intentions, our planning, and the changes that have taken place along the way in your household and in your portfolio.

Lastly, this page refers to our investment advisory service. We earn a fee to select and monitor your investments based on the value of your account. As your account grows in value, we earn more and when your account drops in value, we earn less. Our compensation is aligned with your interests.

 

All investments carry risk. There are no guarantees of return.