Wealth & Asset Management

 

Taylor & Associates is a California Registered Investment Adviser. We offer a full range of services to individuals, families and businesses and maintain a fiduciary relationship with our clients. Our mission is to assist clients in achieving their life goals and financial planning objectives while protecting and preserving their estates as a lasting legacy for future generations. Our clients are as important to us as family. We therefore take the time to know and understand them so we may fully comprehend their needs and provide objective advice that specifically addresses those needs. We seek to achieve our client's unique financial goals, while freeing our clients from the day-to-day worries of investment planning and management.

Fee Asset & Wealth Management Services

Our asset management services for a fee are offered without the conflicts of interest inherent in working with a broker or other salesman. The unpredictable nature of investing in regulated securities and the volatility of today's investment climate presents enormous risks to the downside for those seeking to maximize total return at all costs. We take a more conservative and disciplined approach to investing based on our client's true, not perceived tolerance for risk. We believe that "time in" the market is far more important than "timing" the market. Therefore, we do not engage in market timing or day trading and we do not generally employ more aggressive strategies such as trading short options, trading on margin etc. We are fully licensed and qualified to do so, generally we just don't. Our goal is to create and maintain our client's sense of comfort and peace of mind. Nobody can eliminate the inherent risk of investing in the stock market. We try hard on behalf of our clients, however, to minimize those risks wherever possible while taking into consideration their time horizon.

How We Invest

After assisting our clients in identifying their personal investment criteria including specific needs, financial goals and risk tolerance we design a portfolio to match these needs and goals. We utilize individual stocks, bonds of various maturities and true no-load funds that, wherever possible, have no 12b1 fees and lower than average expense ratios. (Small transaction fees may be charged by the clearing firm or the Broker Dealer for certain trades. Taylor & Associates does not receive any part of these fees) Once the initial investment decisions and allocations have been made, we monitor our client's portfolios on an ongoing basis and suggest changes as necessary to ensure that their assets remain invested in a manner consistent with their established criteria. We sometimes utilize low liquidity income producing products such as Real Estate Investment Trusts (REIT), as well as Limited Partnerships for clients with an elevated tolerance to risk seeking high current income that generates passive losses. Our asset and wealth management services are "non-discretionary" in nature, meaning that our clients are consulted regarding any purchases or sales in their accounts. We have found that clients are far less likely to react rashly to world events and short-term volatility in the markets if they remain involved and understand the methodology behind the process of allocation and diversification in their portfolios.

Communicating With Our clients

Our clients receive copies of all transaction confirmations and forward-looking guidance is included in each of our quarterly performance reports. We prefer to meet our California domiciled clients personally after the end of each quarter. We are also just a telephone call away any time a client has a concern. For those clients located in states other than California, a semiannual or annual meeting in person is desirable though we can teleconference, or videoconference via the Internet with clients who maintain a broadband or DSL connection. The financial planning process is based on stewardship, not salesmanship. Working with Taylor & Associates relieves those clients with limited time or interest in managing their personal affairs from this burden, simplifying their lives and freeing up their time for other more productive pursuits.

Becoming A Client of Taylor & Associates

If you are interested in learning more about the services we offer or are considering our firm for your financial planning or investment advisory needs, please click on the service button below, fill out our form and let us know how we may be of service to you. You will be contacted shortly thereafter.