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Educated Investors= successful investors


In starting Harmony Wealth Management, I wanted to build a firm that I would envision working with if I were a client. One that is built upon acting as a true fiduciary by putting the client first and putting their interest above all else. Spending as much time as needed to build a more holistic relationship with them, their familiy, and friends.  I believe by providing a personalized financial plan, asset allocation, and portfolio diversification that uses an academic based approach in coordination with my belief in the importance of the continued education of clients through meetings, workshops, and seminars that I can build better trusted relationships with clients which will lead to better outcomes for them in achieving their desired financial goals and needs. This is what I believe in and championed over my many years. 

Comprehensive Financial Planning

Clients need to have a personal financial plan done based on their goals, needs, time frame and risk tolerance.

The financial plan is a living and breathing document that should be updated as your life circumstances change

The financial plan should be reviewed annually or as often as necessary to determine that it is up to date. 

Once we have completed the financial plan, this will allow us to create an investment policy statement. The investment policy statement provides the general investment goals and objectives of a client and describes the strategies that we will employ to meet these objectives.

Someone is sitting in the shade today because someone planted a tree a long time ago. - Warren Buffett

Personalized Asset Allocation

The results of the financial plan and investment policy statement leads to a personalized asset allocation.

Asset Allocation is an investment portfolio technique that aims to balance risk and create diversification by dividing assets among major categories such as cash, bonds, stocks, real estate, etc. Each asset class has different levels of return and risk, so each will behave differently over time.

The asset allocation is the most important decision that is made in investment planning. Studies have shown that 90% of the variability of returns over time comes from the asset allocation. 

          Portfolio             Diversification

Diversification is a technique that reduces risk by allocating investments among various financial instruments, industries, and other categories. It aims to maximize returns by investing in different areas that would act differently to the same event.

The idea would be to spread risk between different types of stocks and bonds. For example, domestic stocks, international stocks, government bonds, corporate bonds, etc. 

There is a close logical connection between the concept of a safety margin and the principle of diversification.- Benjamin Graham

The most important thing you can have is a good strategic asset allocation mix. So, what the investor needs to do is have a balanced, structured portfolio – a portfolio that does well in different environments…. we don't know that we're going to win. We have to have diversified bets.- Ray Dalio

           Controlling the             Controllables

Recognize that investing intelligently is about controlling the controllable. Those controllables include the cost and tax efficiency of your portfolio, asset placement, retirement income withdrawal strategy, and a total return versus income strategy

Incredible change happens in your life when you decide to take control of what you do have power over instead of craving control over what you don't.- Steve Maraboli

Behavioral & Emotional Coaching

Studies show that the one of the main reasons that individual investors tend to not achieve their financial goals and needs is their emotions. Nobody is more emotional about their financial well being than you are. As a financial advisor, we need to keep emotional decision making out of play to give the client the best chance of achieving their long term goals and needs. 

Investing isn't about beating others at their game. It's about controlling yourself at your own game.-Benjamin Graham

Investment Education

Investment Education is the one area that has not been commoditized in investing. Nobody has a different stock market or bond market. No retail firm has a different product than another. The one real difference in your experience is the education provided by your advisor in assisting you to achieve your goals and needs

An investment in knowledge always pays the best interest.- Benjamin Franklin

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