Wealth Management Program | Foundational Tenets | Program Implementation | PGRS Value Added
The PGRS Wealth Management Solution is the embodiment
of our experience and the lessons learned. We have carefully crafted simple yet powerful products and tools which enable a Client to first assess their needs and then design, implement and monitor an investment strategy to satisfy such needs.
Each client is unique and therefore we design a course of action specifically tailored to each client, taking into consideration their needs, their goals, their risk tolerance and other factors
and considerations. We do not substitute technology for a relationship and we firmly believe
that Wealth Management is a relationship business.
WEALTH MANAGEMENT SERVICES
Your PGRS relationship begins with your licensed Financial Advisor. He or she will work with you to answer your questions on investments and other financial matters, identify your financial goals and objectives, evaluate your risk tolerance and develop a financial timeline.
Your personal information will be loaded into our Life Planning Model where it can be used to demonstrate the effectiveness of your savings strategy, the impact of various financial events, and just how long your assets will last based on a variety of assumptions.
Once your investment needs are identified, we will use our proprietary Portfolio Builder to develop a globally diversified, structured, investment allocation that is just right for you. This allocation will be used for investment and distribution purposes, thereby keeping your portfolio well-diversified at all times.
Your Advisor is available to speak with you anytime and will contact you for annual reviews so that any changes in your financial outlook can be incorporated into your Life Planning Model. You may also contact our office Monday through Friday between 7:00am and 4:00pm Pacific Time for assistance.
FOUNDATIONAL TENETS
A client has four distinctly different phases of their financial life. We refer this as the
“Seasons of Investing”.
The first season is the KNOWLEDGE OF WEALTH.
A Client learns the fundamental principals that govern financial markets and investing.
The second season is the ACCUMULATION OF WEALTH.
A Client begins to apply the lessons learned and build wealth that will sustain them
through retirement.
The third season is the DEFENSE OF CAPITAL.
A Client protects the wealth that they have accumulated so that they will not outlive their
income and achieve their personal financial goals.
The fourth season is the DISTRIBUTION AND TRANSFER OF CAPITAL.
A Client begins to enjoy the wealth they have accumulated and ultimately transfer it to the
people and/or organizations of their choice.
PGRS VALUE ADDED
Knowledge and Education: At PGRS our process begins with knowledge and education, we need to learn about you and you need to learn about us. This is only the beginning, however, of the education process. A good investor is an educated and informed investor. Thus, we begin to educate you on the basics of investing and the financial markets. This is your money, your life, and your future. You need to know and understand what is being done and why.
Structured Portfolios based upon Academic Research: The PGRS portfolios and strategies are based upon academic research and the science of investing, investing on “what we know”, not “what someone thinks”. Our strategies and portfolios are fully invested across all markets and all asset classes, eliminating the speculation of security selection and market timing. They are designed to capture the returns of asset classes that academic research has shown to reward investors with an expected increase in returns over time. They are globally diversified in over 17,000 securities worldwide to help to control and manage risk.
LPM: Our proprietary Life Planning Model is used to help you answer the questions: How much?; How long?; and What if? After gathering your personal information and incorporating it into our model, you will get a good look at how your financial picture looks today and in the future. It will demonstrate the effectiveness of your savings strategy, allow you to model and test the impact of various financial events, seeing such impact immediately, and show how long your assets are expected to last based upon a variety of assumptions.
Monitor progress: Setting a course of action and implementing a strategy is only the beginning. Any plan may fail if it is not monitored regularly. Our process includes regular follow-up meeting to review your current situation, and monitoring your progress.
Manage emotions and expectations: Unfortunately, studies have shown that investors are their own worst enemy when it comes to investing. It is difficult to not let our emotions, particularly fear and greed, begin to drive our decisions. It is important, even critical, that a sound investment policy is developed and maintained that will work in both good markets and bad. Such a policy will allow you, the investor, to remain disciplined and stay true to your strategy for a successful investing experience.
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