Financial Planning
At Linden Thomas & Company, we encourage each of our clients to establish a financial plan. Our team of planners will help you through our detailed planning process to identify your retirement income goals and the time horizon, whether short or long-term. We will also take you through a series of income needs, growth, and risk assessments to ensure that once we understand your goals and needs; we will then begin to build a portfolio specific to those needs.
Our clients enjoy this financial planning app, another way we're putting our clients first!
Financial Plan Evaluation
The Linden Thomas & Company team will review your goals and evaluate the financial plan with you to make sure the plan and goals line up.
Portfolio efficiency review
Our team will evaluate the portfolio to ensure the assets are managed efficiently and meet your financial needs. All too often, Investors have a financial plan, but the portfolio can't meet the needs because of high cost and portfolio inefficiencies.
Income needs
The Linden Thomas & Company team will identify the income needs and build a yield-focused fixed income specific to your needs.
Risk and growth goal
We assess your long-term need for inflation-adjusted growth and risk assessment to ensure we identify where the equity exposure in your portfolio needs to be.
Tailored portfolio construction
Creating a financial plan
Creating a plan specific to each of our clients' needs will include:
- Setting goals
- Understanding spending habits
- Define time horizon
- Understanding down-market risk and recovery
- Legacy and estate planning
Financial planning do's and dont's
The Linden Thomas & Company founder, Stephen Thomas, and his team have helped clients plan and manage assets for over 36 years. Our award-winning team helps each client build a plan and portfolio from the ground up through individual securities so that each clients' results are enhanced. Over the years, we have helped hundreds of clients meet their goals. It is important to identify the do's and don'ts through the planning and portfolio construction, which will help ensure successful results. It's important to remember: Financial planning is the roadmap for retirement, but portfolio efficiency is the engine that gets you there.
Do's
- Bond ownership - buy bonds directly to enhance net income
- Equity ownership - diversify individual equities with a focus on earnings quality
- Risk - allocate properly based on risk and down-market recovery
- Goals - make sure your goals are realistic
- Cash flow - make sure you understand cash flow needs and include taxes
- Taxes - understand the impact on cash flow after taxes
Dont's
- Hot markets - don't chase past performance
- Bond funds - avoid bond funds, pricing disadvantages and annual costs; they can hurt income results
- Annuities - be careful to buy annuities with a promise of guaranteed results. Costs are high and salespeople usually aren't transparent on real costs and results
- Mutual funds - try to avoid pooled mutual funds
- Bad market behavior - be careful about pulling out during down markets, timing usually doesn't work
- Sector concentration - be careful not to have too much in one sector
Financial planning is the road map while each portfolio built efficiently is the engine that gets each client to their destination!