We believe your investment portfolio should be as unique as you are. We take into consideration your needs, desires, risk tolerance and investing experience to construct your portfolio. We then implement the portfolio for you and advise you year-round, making adjustments as life events unfold. Life is fluid and always changing and your portfolio should change with you.
Investment management is an on-going relationship. That is why we recommend starting with the financial planning process to identify your goals, retirement and education funding needs, taxes, estate planning and cash flow. Next, we analyze your risk tolerance so that we can develop a portfolio that is right for you. We then focus on making sure your money can accomplish your goals while taking the appropriate amount of risk for you and your situation.
As investment managers, we also stay up to date on investment and tax law changes (so you don't have to) and walk you through actions to take that are necessary or appropriate for your situation. This may include:
- Setting up retirement, taxable and trust accounts
- Choosing where your retirement funds are best invested to meet your short-term and long-term goals
- Taking IRS Required Minimum Distributions
- Settling on when to start taking Social Security
- Determining if a Roth IRA conversion may be appropriate for you
- Deciding when or how much you should start drawing upon your investment portfolio
- Clarifying the best place to draw money for specific purposes (taxable, Roth, IRA, or other retirement accounts)
As a fee-only Certified Financial Planning firm, we never have custody of any client funds. The funds are always kept at a third-party party institution to provide additional oversight, so that no one has access to your funds but you. Apex Wealth Management, LLC is a Registered Investment Adviser (RIA).
Investment management fees are based on a percentage of the assets we manage. A full detailed description of all of our fees can be found in our ADV. To receive a copy of our ADV please click here.