Household Financial Plan
This is the core of our business. Point Loma Advisor's planning process helps you make well-informed strategic decisions as life unfolds. We analyze your current situation and provide a detailed assessment report, including recommendations. Portfolios are designed for investment efficiency relative to clients' risk tolerance and risk capacity, addressing:
Fiscal Philosophy: your values about money are is just as important as how you manage it.
Goals: including home ownership, education, retirement, financial legacy, and others
Budget: including household income, taxes, emergency fund, and consumer contracts
Assets: including portfolio (asset allocation, account types, expense assessment, etc.) pension plan(s), investment recommendations, and net worth
Liabilities: including credit cards & personal loans, student loans, and real estate debt
Risk: risk tolerance, portfolio assessment, insurance capital needs assessment, disability, and job loss
Investment Advisory/Management Service
Once you have a personal financial plan, Point Loma Advisors' portfolio management service keeps you on track. We continuously examine changes in:
investment products and strategies
retirement products and strategies
laws and regulations related to investments, pensions, and retirement
long-term market valuations
changes to your personal financial plan.
Point Loma Advisors seldom makes transaction recommendations based on short-term market fluctuations. Instead, we make recommendations for adjustments and changes to your investments and financial plan on an as-needed basis. While it is impossible to say how often recommendations will be made, our expectation is that it will be no more than a few times per year. Point Loma Advisors' reliance on modern portfolio theory implemented largely with low-cost index funds means that investment transaction decisions are largely strategic and driven by changes in your personal financial plan or overall portfolio imbalances from long-term market changes.
While we believe that it is in your best interests to avoid 'fiddling' with investments, we are always ready to discuss your concerns, review changes to your personal financial situation and provide updated advice.
Self-Directed Financial Planning Subscription
Designed for do-it-youself, on-going financial planning by beginning investors with uncomplicated financial situations who are focused on accumulating assets.
Access to financial planning software which links to personal accounts at most popular investment and banking institutions.
Access to our financial education material.
Access to a generalized question and answer service by a Lyon Park Advisors CERTIFIED FINANCIAL PLANNER® professional.
A 30 minute annual consultation with a Lyon Park Advisors CERTIFIED FINANCIAL PLANNER® professional.
This service DOES NOT include financial planning by Point Loma Advisors.