Services

 

At SYM Financial Advisors, our mission is to help every one of our clients continue to build their economic wealth through strategic and highly personalized financial planning.

 

 

 

 

 

 

 

 

 

 

 

Wealth Management

If your financial needs require complex, strategic planning—including financial planning, investment management, lifestyle decision-making, and estate and tax strategies—our comprehensive wealth management services are tailor-made to address your needs.

First and foremost, we approach wealth management as the process of leveraging your wealth to build economic strength and help you achieve your personal financial and life goals, whatever they may be. The first step in the process is to help you carefully identify your goals, your challenges, and how you define success. Once we understand all of these aspects of your financial life, we'll follow a rigorous process of modeling current circumstances with a target of achieving your established goals. To effectively uncover every possible opportunity for growth, we'll take the time to help you envision your target retirement lifestyle and long-term goals, understand and maximize the value of your executive benefits, and decide on an appropriate action plan.

Your recommended action plan may include a variety of the following services and solutions to help ensure your financial stability and strength:

  • Cash-Flow Planning
  • Model Future Income/Expenses
  • Value Executive Incentive Awards
  • Balance Sheet Modeling
  • Insurance and Risk Management
  • Life Insurance Analysis
  • Disability Insurance Review
  • Property and Casualty Insurance Review
  • Investment Review
  • 401(k) Allocation and Investment Recommendations
  • Estate Planning
  • Summarize Current Documents
  • Analysis of Current and Alternative Strategies
  • Implement/Fund Current or Revised Documents

Once your action plan is agreed upon, our team will take on the responsibility of implementing each piece of the plan. To keep you informed, we'll provide complete meeting notes after each formal meeting to recap key points, identify projects that require further action, and assign responsibilities for all action items and projects. Throughout the process, we'll monitor progress and ensure project completion, always keeping you informed of the status of your wealth management plan.

Portfolio Management

As a fee-only portfolio manager, we focus on delivering unbiased, conflict-free advice focused on long-term investing, not short-term speculation. Over the years, we have learned from personal experience and observation that half the challenge of successful investing is helping our clients look carefully at their own investment decisions with a focus on separating emotional behavior from information-based behavior. By helping remove emotions from the process, we're able to help steer you toward more effective long-term investment decisions.

When creating portfolios, we utilize top-down asset allocation strategies to diversify each account. We determine the most suitable fund managers to utilize in our portfolios, and our Investment Committee meets regularly to analyze economic data, sector analysis and manager performance. When market opportunities are apparent, we may make tactical asset allocation shifts. Based on this data, our understanding of your own financial goals and tolerance for risk, and the ideal location of your assets (i.e., in taxed vs. deferred-taxed accounts), we'll create a customized portfolio using a combination of global bonds, equity funds, and alternatives.

Our team will then continuously monitor your portfolio for volatility, risk, and tax implications, and we'll strategically rebalance when we feel it’s necessary. We communicate the performance of your portfolio in clear terms, including not just gains and losses, but also your “net of fee” returns and a clear “yardstick” with which to measure results. Throughout the process, you can rest assured that our team of trusted professionals is taking care of your assets while you work and relax.

Business Services: 401(k) & Retirement Planning

SYM Financial Advisors provides 401(k) and retirement plan consulting services to plan sponsors of small to mid-sized businesses across the Midwest. We specialize in advising fiduciaries in their responsibilities, assisting plan sponsors with the selection, implementation, monitoring, and management of effective 401(k) savings and retirement plans, and educating employees to help them make the best possible decisions with their retirement accounts.

As a business owner offering a 401(k) plan to your employees, you are held accountable for a level of expert knowledge that, for most, lies outside your area of expertise and familiarity. While many 401(k) providers employ outside fiduciaries to monitor selected investments, plan fiduciaries remain liable for the plans they provide to their employees. Our experienced business consulting team specializes in protecting companies like yours. It is our goal to provide a plan that will benefit your employees and maintain your profitability. In addition to serving as a legal advocate for the plan and your company, our team will coordinate with the plan custodian and record keeper/CPA to:

  • Select appropriate investments for your plan
  • Draft the Investment Policy Statement (IPS)
  • Organize group enrollment/education meetings for plan participants
  • Monitor investment performance and recommend changes when needed
  • Meet regularly with the Plan Sponsor and provide written fund monitoring information
  • Ensure compliance with Department of Labor plan-related standards