John K. Bahr, WMS Certified Investment Management Consultant Raymond James Private Client Group 249 E NC Hwy 54, Ste. 300 Durham, NC 27713 888-228-0931 [email_address] www.MyFamilyFoundation.org Helping People Retire Comfortably
Your Wealth Management Team Raymond James Private Money Managers Alternative Investment Specialist Insurance Specialists Corporate Trust Services Concentrated Stock Specialist Trading and Research Client and Family John Bahr & Team Local CPA Local Attorney
While the investor retains full custody of his or her assets, the donation comes directly from John Bahr & Team.
We donate a portion of our net management fee quarterly to the charitable organization selected by the investor or the investor has the option of choosing one of the charitable organizations that we already have a relationship with (Must be charitable and non-profit organizations under rule 501(c) of the IRS tax code.)
A benefit to the client is that there is no added cost or effort for them. The charity can count on donations from the investor to support its cause with no added effort as well. There is also no added cost to the charity.
#1: Treating Investments Like a Part-Time Job and Not a Business
#2: Not Having an Asset Allocation Strategy to Manage Risk
#3: Trying to Time the Market
#4: Letting Emotions Dictate Investment Decision Making and Not Discipline
#5: Ignoring or Underestimating How Much Future Income Will be Needed
#6: Expecting All Investments to Succeed ALL the Time/Not If Properly Diversified
#7: Making Initial Investment Decisions Based Solely on Past Performance
#8: Getting Caught Up in the Relative Performance Game Instead of Personal Needs
#9: Inadequate Due Diligence Leading to Hanging on to Investments too Long
#10: Not Having A Trusted Financial Advisor/Planner
Individual Investor Behavior Stocks Bonds Stocks Bonds Net Flows by Broad Investment Categories at Major Inflection Points in the Market Greed 2000 Fear 2002 Investors have historically added funds to asset classes that have performed well recently, often as those asset classes are taking a turn for the worse. THE RESULT: Many individuals investors buy high and sell low. Past performance does not guarantee future results. As of 12/31/02 ($ billions) Source: Investment Company Institute
We acknowledge and concur with this Personal Financial Policy Statement (PFPS):
X__________________ Date:________ Mary Smith
Step 1: Discovery Define Success We will work closely with you to: Fully Understand Where You Are Now B Clarify Where You Want To Go Our Objective : Develop a clear understanding of what is important to you and how we can help you. A For illustrative purposes only. Investing involves risk and you may incur a profit or a loss
Case Study: Correcting Common Mistakes: A Proven Approach to Portfolio Construction In order to manage risk to achieve long term financial goals, we follow a disciplined four step process: Step 1 Step 2 Step 3 Step 4 Diversification among different asset classes may lower overall volatility, but does not ensure a profit or guarantee against a loss. Develop a sense of the future through forward looking risk, return and correlation assumptions for different investment options Construct an asset allocation diversification approach for effective overall risk management Search for and hire best-of-class managers for our clients that have compensated investors for taking active risk Continuously monitor allocation, managers and progress towards client goals
Confidence & Comfort (in “balance”) High level of confidence and Peace of Mind How do we track “How much is enough? Central to the Wealthcare process is the Confidence calculation . This analysis simultaneously evaluates your goals, your investment allocation and your assets to determine how confident you can be that your goals will be met. The Wealthcare process subjects your goals and investment strategy to this sophisticated ‘stress testing’ process which simulates 1000 market environments, both good and bad. Your Confidence or Comfort is the percentage of the 1000 simulations that achieve your goals. For example, if you achieved all of your goals or more in 830 of 1000 tests your confidence is 83%.