Consultation
Our company prospers as a result of building trusting relationships with our clients. We build and maintain trust by ensuring that our recommendations are appropriate based upon each client’s personal profile, by clearly explaining investment strategies, and by providing a measurement of our performance against an accepted benchmark.
Before becoming an IAM client, it is important that you feel comfortable with our services and philosophy towards portfolio management and financial planning, and that we feel comfortable having you as a client. The purpose of the initial consultation is to meet and discuss whether our services are appropriate for you.
The initial meeting can be conducted by telephone, Skype, or in person at our office or at another mutually-convenient location. There is no fee or obligation for this consultation and, if it turns out that our services are not appropriate for you, we would be happy to direct you to another firm that provides services more suitable for your needs.
Topics to discuss might include:
Ensuring a dependable retirement income
Your retirement income needs to be sufficient to enable you and your dependents to live in the style to which you are accustomed. Traditional retirement products such as annuities may not be ideal and government pension plans or social security may not be sufficient to meet your needs. More flexible and tax-efficient solutions that incorporate guaranteed income streams with investments and retirement income solutions may exist that can give you a larger or more secure income and ensure your needs well into the future.
Optimizing your investment strategy for various market conditions
Risk management is the cornerstone of a successful investment program. Proper use of diversification, hedging, and asset allocation strategies can allow you to protect your investments and optimize returns given your risk profile.
Diversifying your investments globally or amongst asset classes
Many of today’s best investment options are outside of North America and Europe or in asset classes other than stocks and bonds. An intelligently diversified portfolio can mitigate risk without sacrificing potential returns, or can enhance returns without increasing risk.
Expatriate issues
Increasingly US financial institutions are limiting their services for non-US residents but IAM specializes in financial solutions for expatriates. Specific issues you may face could be that the firm holding your retirement or investment account wants to freeze your ability to change investments in the account or asks you to close the account entirely.
Cross-border financial planning issues related to taxation or estate planning also require specialized knowledge. Our expatriate financial planners and network of cross-border professionals can help.
Lifestyle transition management
When you are faced with an event that changes your lifestyle and demands a re-evaluation of your financial plan, that is a good time to speak with an IAM advisor.
Perhaps you now have less time or desire to manage your investments, or maybe you are trying to deal with such issues for the first time, or your situation has suddenly become more complex. Your needs might be quite different from another’s, even under similar circumstances. At IAM we analyze your specific situation, propose customized solutions, and work with you to put in place and monitor our recommendations to ensure they remain appropriate over time.