5910 N. Central Expwy., Ste. 1090
Dallas, TX 75206

214-706-4369

Our Playbook

COMPREHENSIVE WEALTH MANAGEMENT

The Gardner Group believes in the financial planning process. This is the process of identifying goals, gathering and reviewing financial data, and designing and implementing a plan to help you reach your goals. It is a lifelong process. Financial plans used to be forbidding, book-length tomes that, not surprisingly, no one read. These days a plan tends to be more of an outline.

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Once the plan is in place, it needs to be monitored, reviewed and updated to meet dynamic circumstances. A good financial plan spells out goals and the means to work toward those goals. But whatever a plan looks like, its purpose is the same: to coordinate short-term needs with long-term goals. Not everyone needs to have a written comprehensive financial plan. Everyone, however, can benefit from the financial planning process.

The Gardner Group offers these services towards developing a written strategic plan for solving specific problems and/or reaching specific goals depending on client needs. Available individually, or as part of a comprehensive plan that often includes:

  • Asset Allocation and Investment Strategies
  • Cash Management
  • Retirement Income and Capital Needs Analysis
  • Estate Planning and Tax Mitigation
  • Risk Management
  • Charitable Giving Strategies
  • Corporate Benefits

Our comprehensive wealth management services provide a detailed level of planning and investment management in two phases. The first phase of our wealth management services includes development of a financial plan and initial portfolio design. There is a quarterly fee charged for this initial plan development. Fees may range $500-$2,500 per quarter, depending upon the complexity of the plan.

INVESTMENT ADVISORY SERVICES

Although only one component of the financial planning process, asset management is certainly an important one. That is why the second phase of our services is ongoing management of investment assets. The Gardner Group believes that an investment policy and asset allocation can be designed only after the initial financial planning process is complete and a target return is established. We allocate assets among the major classes of stocks, bonds, cash, and real estate. Stocks are divided between domestic and foreign, and large and small capitalization. We further divide domestic stocks into growth and value styles. Bonds are divided by short, intermediate and long-term duration. Additionally, corporate, high-yield, and foreign debt may comprise a portion of the fixed-income exposure. We may use real estate investment trusts (REITs) for the real estate component of a plan.

The Gardner Group believes in developing client-specific investment strategies that emphasize diversified asset allocation. Each client has a personalized Investment Policy Statement, which outlines the strategy, time frame, risk tolerance, and reward that are just right for that individual and developed from the portfolio optimization process.

There is no one particular investment portfolio that is appropriate for all individual investors. The optimal portfolio will depend on the amount and timing of cash flow needs, tax considerations and market conditions. Investment decisions should be based, therefore, on the client’s objectives. Through that objective-driven process, crucial factors such as appropriate levels of risk and return are derived and optimized to achieve those objectives.

The Gardner Group will implement, manage and rebalance your portfolio on a regular, ongoing basis. The fees for these services range from .025-.0375%, and are paid out quarterly. Once we have agreed upon an appropriate risk tolerance, asset allocation, and cash management analyses, we implement our recommendation for a portfolio. Specific investment decisions must be implemented, and trading occurs on a discretionary basis. Assets are primarily custodied at either Fidelity Investments or Charles Schwab. Other arrangements can be made if necessary.

Included with this phase are quarterly reports on the portfolio, rebalancing, target allocation and related performance. Each quarter you will receive a performance report, which gives you a clear picture of your account performance and where you stand. This includes a tracking of portfolio holdings, interest and dividend payments, capital gains, overall portfolio performance, and so forth. Periodic meetings are held with the client to review their current situation and investment portfolio. These services are limited to those with a minimum of $500,000 to place under management. Fees are calculated as a percentage of assets under management and may include ongoing financial planning services.

Tax Planning*

Taxes represent a significant consideration for every long-term investor. By minimizing income taxes, investors retain more wealth to help meet their goals. We exercise care in the appropriate placement of investments within taxable and tax-deferred accounts. For example, we generally place index and tax-managed vehicles in taxable accounts, and higher turnover mutual funds or income funds in tax-deferred accounts. However, tax considerations do not dominate our portfolio management process.

While taxes are inescapable, it is possible to develop strategies that will minimize your tax liability. We are vigilant about staying informed on current tax law changes so that we can:

  • Review your tax returns with an eye to possible savings in the future
  • Reposition investments to take full advantage of tax law provisions
  • Work with your tax and legal advisors to help you meet your financial goals
  • Suggest alternatives to lower your taxes during retirement

*The Gardner Group is not a CPA firm.

As your financial quarterback, The Gardner Group can create and implement a comprehensive wealth management program that will serve all your needs, now and in the future.