Financial Plan
and
Investment Policy Statement
development
Our process first involves partnering with you to obtain objectives and gather information. By understanding our clients’ values, needs, and goals, we’ll create a comprehensive financial plan and/or investment policy statement to ensure you’re moving towards achieving successful outcomes for a better return on life.
The input from these documents will be used to develop an personalized Asset Allocation that will act as a strategic guide for implementing the Elbrus Partners Managed Asset Program (EP-MAP) and providing ongoing investment advice (Investing tab).
Retirement Planning /
Income Modeling / Cash Flow Planning
Investment / Tax Planning
Goals Analysis / College Planning / Social Security Optimization
Insurance Planning / Lifetime Protection / Risk Management
Health Care Assessment /
Estate Planning
Holistic Stress Testing /
Asset Allocation Analysis
MoneyGuide Client Portal
Client Planning Portal
This resource provided to Elbrus clients provides access to dynamic goals-based financial planning and solutions to help navigate complex financial elements in retirement/wealth management.
Detailed Plan Analytics
We develop comprehensive financial plans with Executive Summaries and Action Items that utilize Income Modeling, Scenario Analysis, Net Worth Assessment, and Risk Management tools.
Retirement Lifestyle Workbook
This lifestyle workbook provided by MoneyGuidePro is designed to help you collect and organize the information needed to develop your financial plan which includes your goals and the resources available to fund them.
The Individual and Joint Retirement Lifestyle Workbooks provide a foundation for developing your Investment Policy Statement.
Strategic Asset Allocation (SAA)
We propose a Strategic Asset Allocation by setting the long-term portfolio objectives and parameters. The guidelines created by the Financial Plan / Investment Policy Statement assist in determining your Strategic Asset Allocation which may help you stay invested during volatile markets .
Annual
us equity return (1928-2018)
This graph provides 1-year US equity returns from 1928-2018. Typically the longer the time horizon an investor remains invested, the greater the probability of positive returns.
Elements of an investment policy statement
The Investment Policy Statement (IPS) is used to determine return objectives, identify your ability and willingness to take the risk, and seek to detect any unique circumstances, constraints, and behavioral biases. For more information please review, Elements of an Investment Policy Statement for Individual Investors, provided by the CFA Institute.
20-Year growth comparison from missed days
Not proactively determining the appropriate about of risk required to obtain your long-term goals, could result in excessive risk-taking, abrupt portfolio adjustments, and panic selling during periods of short-term market volatility.
The Market cycle of emotions
The Market Cycle of Emotions illustration from BlackRock depicts how behavioral biases result in deviations from the optimal decision making in financial theory. A financial plan and IPS may help you stay invested during volatile markets.
Our Services
We provide solutions for all investors.
Advanced
All-Inclusive
Financial Planning & Portfolio
Mangement
Max 1% Annual Management Fee
The Elbrus Partners Managed Asset Program (EP-MAP), bundles ongoing investment advice with portfolio management and financial planning services into a unified platform. EP-MAP has one transparent fee based upon assets under management.
Includes services in the Financial Planning Management subscription plus Investment Policy Statement development, and Portfolio / Investment management through Interactive Brokers. No commissions, trading fees, platform fees, maintenance fees, account minimums fees, etc. Provides access to global markets, systematic rebalancing, and institutional mutual funds.