41. Client Deliverables
(Services our Ideal Clients Receive)
1 Financial Roadmap - We provide a complete and thorough annual update of your Financial Roadmap and of your
Financial Plan.
2 Financial Plan – Utilizing the latest in financial planning software, your goals and investments will be modeled to
determine if there will be enough money to meet your goals and what changes need to be made (if any) to help ensure
you meet them.
3 Asset Allocation Plan – Utilizing the latest in asset allocation software, your investments will be modeled to
determine the “optimum way” to invest your assets, so as to minimize risk and maximize your return, increasing the
chances that our “ideal clients” will meet all of their goals for reasons that are important to them.
4 Implementation Plan – We will deliver your updated implementation plan to you annually, summarizing your
actionable items into a simple chronological list of action steps for you to follow.
5 Growth Assets – We will hold one “asset structure and strategy meeting” annually to discuss the “big picture” about
your financial situation and give you a summary of your strategy going forward.
6 Progress Reports – We will deliver quarterly investment progress reports to you. This simple summary of all of your
investments is designed to show you how your investments are progressing toward your goals.
7 Cash and Debt Management – We will work with you to establish adequate cash reserves to handle any financial
emergencies that come up. This involves establishing a debt elimination plan.
8 Major Purchase Assistance – We will help you purchase major assets such as cars, boats and airplanes to make
sure you get exactly what you want for the minimum cost possible.
9 Insurance Review – We will review every kind of insurance you have and recommend:
If you really need the insurance,
If you do need it, whether you have the right kinds and amounts of insurance,
If you need it, we will ensure there are no “coverage gaps” which might endanger your financial plan,
And we will see if anything can be done to reduce your premiums.
10 Income Tax Planning – During the last three months of each year we will do serious income tax planning for you
with two objectives in mind:
Seek ways to reduce your taxes, and
Prepare for the taxes due next year.
75. Securities offered through Cape Securities
member FINRA, SIPC and MSRB.
Contact: Chris Morris or Jessica Morris
770-493-7578
Advisory services through
Cape Investment Advisory.
2005 Pennsylvania Avenue
McDonough, GA 30253
76. Prior performance is not a guarantee
of future performance or future
return on investment.
All investments carry the risk of loss.
Editor's Notes
So many people think we are just another financial advisor.
But those who understand the financial services industry, understand WE ARE THE REAL DEAL!
The financial services industry is especially competitive. Competition can result in UNFAIR AND RUTHLESS PRACTICES.
As a result, many people, and rightly so, feel betrayed by financial advisors and quite frankly DON’T KNOW WHO TO TRUST.
Large numbers of clients have been burned by Bernie, who Made Off with thir money.
Others have been burned by Brokers, Insurance Agents, Mutual Funds, and the list goes on and on.
AND THIS is BY THE PEOPLE WHO WERE SUPPOSED TO HAVE THEIR BACK!
As humans we experience losses differently from wins.
Wins are ENJOYED and quickly FORGOTTEN.
Losses, on the other hand, are BURNED INTO OUR PRIMAL BRAINS like hot pokers branding cattle.
Many people who thought they were financially well off, found out how VULNERABLE AND UNPRORTECTED THEY REALLY WERE.
Most advisors are delivering the wrong king of value, by ONLY focusing on investments. Advisors have LITTLE control over investment returns.
If they did they would be rich from trading their own accounts and they would not need clients.
Even Warren Buffet made his money investing other people’s money! Why? Because THERE ARE NO MAGIC INVESTMENTS WITH MAGICAL RETURNS….
Most investors know past performance is no guarantee of future returns.
Out of tens of thousands of mutual fund managers, only 5 have beaten the S&P 500 over the last 5 years and only 1 has beaten the index over a 6 year period. The truth is you might as well just purchase the indexes!
It is highly unlikely that your local financial advisor can beat a professional money manager, much less the S&P 500 over the long-term!
So time wasted trying to beat the indexes is simply….time wasted!
Most financial advisors deliver undifferentiated services. As a result CLIENTS CANNOT distinguish between ONE FINANCIAL ADVISOR when compared to another.
The raw truth is it is almost impossible to differentiate between a firm that offers comprehensive financial services and…
…the average salesperson masquerading as a financial professional.
There is no magic wand, no secret process, no magic phrase to being a quality financial advisor.
We believe what matters is the HARD WORK NEEDED to deliver real value to clients. Value that is unlike anything they can get elsewhere.
Our take is in order to really stand out, we must understand and deliver the SCARCEST COMMODITY ON EARTH to our clients.
The raw truth is that clients respond to real value…. not flash, fluff and bullshit.
What we offer is unique. It is something that our clients and their friends cannot get anywhere else! Like gold, silver and diamonds its scarcity is what makes it PRICELESS.
You see we are the REAL DEAL. And we offer this scarce commodity to our clients.
We offer AUTHENTICITY, TRANSPARENCY AND INTEGRIGY.
We make a very simple but extraordinary promise to our clients. You see WE FOLLOW THRU IN A METHODICAL WAY to deliver EXACTLY WHAT WE PROMISE.
And it is about delivering SO MUCH MORE THAN OUR CLIENTS EVER THOUGHT THEY COULD RECEIVE from a financial advisor.
Being the real deal is a lot of hard work. Truthfully, we haven’t been able to FIND ANYONE ELSE WHO will do THIS MUCH for their clients.
To offer superior service we must TRANSFER THE WORK TO A NUMBER OF SPECIALISTS….professionals who belong to our deliverables team.
Most financial professionals only offer one service…the bottom ellipse WHICH IS INVESTMENT SERVICES.
We use a process called STRATEGIC DELEGATION. This process provides our clients with more free time!
By the way, what is the SCARCEST COMMODITY ON EARTH? Any ideas?
Actually we believe it is TIME! There are only 168 hours in a week.
Clients never have enough time. And what they have is FREQUENTLY ALREADY COMMITTED.
Thus we go out of our way to help give our CLIENTS THE GIFT OF TIME. We believe this is more valuable than any amount of money.
If we can give our clients the gift of time we are, clearly, MORE VALUABLE TO THEM.
We give our clients an extraordinary experience! MEETING AFTER MEETING!
Mastering delegating these tasks to our staff and deliverables team is what allows us TO OFFER UNSURPASSED SERVICE.
We have 10 clearly defined deliverables.
We have 5 critical reports our clients review with us at each meeting.
And we have a proprietary software system, which is an INTEGRATED ONLINE client CHECKLIST SYSTEM.
And our CHECKLIST Is made up of 143 CRITICAL POINTS our DT members are to cover for each Client EACH YEAR!
This online system is accessible by our deliverables team members so they can COMMUNICATE QUICKLY AND EFFICIENTLY.
It allows assignment of tasks to different Team members. It has a TIMELINE TO ACCOMPLISH each task so each member of the Team can stay on top of what needs to be done.
So why do these things? Simply because…By bringing TOGETHER a team of best-in-class professionals we will make better decisions than any ONE PROFESSIONAL every could.
Even Better. We typically charge less than our competitors and offer far more than just investment advice!
Once our clients know that our team of professionals truly has their back…they relax. And when they relax they can focus on designing the life they would like to live.
We then help our clients focus their time and energy on the things that cannot be delegated to others!
Like family, fun, fitness, faith and friends.
In order for our clients to be able to completely focus on these things, they MUST know that their whole financial house is in order.
How do they know that? Because we prove that to them through our consistent progress meetings. During those meetings we demonstrate to them that their entire financial house is in order.
It is during their interactions with us that they discover an entirely new kind of value in their life and they learn to appreciate that value.
How do they come to know these things?
This occurs: When they know that we will meet with them several times every year and each year we will review every aspect of their financial lives.
When they know that they have enough money to fund their current and future lifestyle.
When they know that their goals are on track and each goal has a step by step detailed plan of action for accomplishing it.
When they know their future is secure.
When they know that they have done everything that they can, to be financially successful.
When they know everything that is in their control has been handled.
When they know WE TRULY HAVE THEIR BACK……. no matter what!
Why is this so important? Because when they know these things…..
THEY CHANGE.
THEIR WORLD VIEW CHANGES! THEIR KIDS CHANGE! And THEIR LIVES CHANGE!
And Amazingly and Not Surprisingly they attribute it all to ME AND TO MY TEAM!
It is then that they understand THAT THIS PROCESS WILL WORK FOR ANYONE WHO USES IT.
They know this is a predictable and repeatable process, with predictable and repeatable outcomes.
AND THAT’S WHEN THEY RELAX. Because they understand that YOU CAN PLAN YOUR FUTURE.
AND IF YOU STICK TO THE PLAN, YOU CAN BE FINANCIALLY SUCCESSFUL.
THIS IS NOT MAGIC. IT IS NOT A MIRACLE.
IT IS BY STICKING TO A WELL THOUGHT OUT PLAN THAT creates and helps ensure FINANCIAL SUCCESS in the future.
So many people think we are just another financial advisor. I HOPE YOU NOW KNOW, WE ARE FAR MORE THAN THAT.
