❖ The Ivybridge Process ❖
How Can We Help? This first step, often via an introductory phone conversation, helps us understand how we might be able to be of service to you. If we aren't the right advisor for you, we will help you find a resource that might better suit your needs.
Let's Get to Know Each Other: This complimentary discovery meeting (in-person or virtual) is an opportunity for us to learn more about one another. We'll answer your questions honestly and openly, together explore our service options and investment philosophy, and construct a high-level picture of your financial position. During these initial meeting(s), we'll continue to learn about one another until we feel confident jointly to move ahead.
Let's Get Organized: We've decided to partner together and now it's time to further roll up our sleeves. We'll gather information about you, your goals, resources, tax profile and risk tolerance, assimilate that all into a cohesive system for running projections and "what if scenarios", consolidate accounts and provide single sign-on access to our Client Portal for your access anytime.
Design Your Baseline Plan: Together, we'll explore how to optimize your resources and goals, recommend a baseline financial plan, and design a model that will govern how we manage your investable assets. These constructs create a foundation from which we can periodically review, measure and adjust your plan as you evolve and "life happens".
Core Ongoing Services: With the initial onboarding complete, we will transition our services into recurring processes that will help you execute and adjust your plan. These processes include:
- At the center of ongoing management is a comprehensive Annual Plan Update to update, review, and adjust your progression towards your goals
- Ongoing, discretionary Investment Management for Managed Account(s)
- Managed Account(s) titling and beneficiary designation review
Review of ERISA Accounts: Jointly, we will review your workplace retirement accounts such as a 401(k), 457, or 403(b) to confirm or recommend changes to your investment selections, beneficiary designations and your contribution amounts and types (pre-tax or Roth)
Our Financial Planning services include:
- In coordination with your tax professional(s), the incorporation of tax-efficient strategies (if applicable) such as asset location, rebalancing, tax-deferred and tax-free savings opportunities, tax-loss harvesting, Roth conversions, Required Minimum Distribution(s), Donor Advised Funds and Gifting of Appreciated Securities, and Education Planning (529 plans).
- An Estate Plan Review, or recommendation to update or create a set of estate documents by an Estate Attorney.
- A review of Client Insurance Coverage Needs (risk mitigation) to include life, Long-Term Care, disability, and umbrella
Our Services additionally include Special Situation Support as appropriate, and in conjunction with your other Advisors:
- Coordinated semi-annual tax planning meetings as requested
- Cash-flow
- Financing and Collateral Lending Programs
- Employee equity strategies
- Employee contract review and benefit analysis
- Business owner equity strategies to include exit strategies planning
- Estate plan creation or revision with consideration to tax optimization, wealth transfer, intergenerational planning, risk mitigation
- Specific decision analysis (buy or lease? second homes, paying off mortgages etc.)
- Philanthropic endeavors
- Divorce support by way of assistance with Qualified Domestic Relation Order(s)
- Non-Standard Investment Asset Review
❖ What You Can Expect from Us ❖
- To make good on our mission of guiding you along your planning journey, we must begin with the end in mind. To that end, we'll encourage you to be thoughtful about your goal planning in the beginning as well as along the way.
- We are available as “life happens” events occur. One of our strongest desires is to know our clients well so that we have the knowledge and tools readily available to assist when opportunities or challenges present themselves.
- We are flexible in both the timing of when we are available and methods of communication to make meeting participation and communication convenient for you.
- We typically return phone calls or emails within 24 hours.
- We take the responsibility for the security and privacy of your information seriously. We provide systems that allow for secure communication and encourage you to embrace them.
- We love what we do and take pride in doing the best job possible.
- We are committed to helping you make important life choices regarding your most precious resources: time, your own human capital (potential), and the economic opportunities those resources afford.
❖ Six Tenets of our Services ❖
Organization: We'll provide a framework for life simplification and simplified decision-making so that you can spend more time doing the things that you love.
Accountability/Discipline: We'll gently encourage you stay accountable to your best intentions in the midst of opportunities, challenges and steady-state.
Objectivity: We'll help protect you from yourself by guiding you to think through the emotional vs (financially) technical components of big decisions.
Pro-Activity: We'll work with you to anticipate your life transitions and stand-by ready to assist when unexpected "life happens" events inevitably occur.
Education: We stay deeply committed to our own continuing education, we'll educate you on the "equations" and "emotions" components of your decisions, and we are wise enough to seek outside guidance when we don't know the answers.
Partnership: We'll work to earn your trust, we'll take time to really get to know you, and we'll work to build a collaborative relationship that helps you achieve your best life possible.
❖ Disclosures ❖
This is being provided solely for informational and illustrative purposes, is not an offer to sell or a solicitation of an offer to buy any securities. The factual information given herein is taken from sources that we believe to be reliable but is not guaranteed as to accuracy or completeness. Opinions expressed are subject to change without notice and do not consider the particular investment objectives, financial situation or needs of individual investors. Past performance is not indicative of future results, and future returns are not guaranteed. There are risks associated with investing such as a loss of original capital or a decrease in the value of your investment. Employees of Janney Montgomery Scott LLC or its affiliates may, at times, release written or oral commentary, technical analysis or trading strategies that differ from the opinions expressed here. Neither Janney Montgomery Scott LLC nor its Financial Advisors give tax, legal, or accounting advice. Please consult with the appropriate professional for advice concerning your particular circumstances.
