Services
We work best with people who want:
- Experts working only for them, not for a commission or a kickback
- Advisors who believe eliminating conflicts of interest is superior to merely disclosing those conflicts
- To minimize the amount of time and attention they spend on business and financial news, preferring instead to let an expert discern the newsworthy from the noise
- A team that can sift through the deluge of rules, regulations, product pitches, and financial information to identify what is relevant to them
Financial success doesn’t come from chance, luck or coincidence – but from developing and implementing a disciplined plan. Investment decisions are best made in the context of specific, time-bound goals. For these reasons, we provide objective and coordinated personal financial planning driven by your individual goals.
Our financial planning services include detailed recommendations in areas of interest to you, including:
- Tax planning
- Cash flow planning, pre and post retirement
- Risk management
- Charitable planning
- Employee benefits and stock option strategy
- Educational expense funding
- Estate planning
After careful analysis of your situation, we design an investment portfolio and create a written investment policy statement (IPS) in collaboration with you. We take care of the nuts and bolts of investment management and research, keeping abreast of the important issues that may affect you.
Your IPS outlines, among other things:
- Your investment goals
- The expected behavior of the portfolio
- The types of investments to include and exclude
- Techniques to be used or not used
- Our responsibilities and yours
- Reports you should expect to receive
At Moisand Fitzgerald Tamayo, LLC, we constantly monitor the economic environment and your portfolio and take action as needed.
Because we do not sell products, our process is free to identify the pros and cons of what you currently own. Stuck in an annuity or other product about which you are unsure? If it is in your best interest, we will establish an exit strategy that minimizes your costs to make a change. If we determine that you should retain a holding, we will monitor it and coordinate our investment management around it until such time as an exit strategy is needed.
Whether we recommend you get estate planning documents drafted or purchase insurance of any kind, we will make these and other referrals as a service to our clients. We do not pay or receive any referral fees.