Is this your investment strategy?
Let us help you create a strategy that maximizes your investment potential while giving you confidence in your financial future.
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Investment Management Services
Portfolio Management – We employ a specific process in working with each client to determine their investment goals, risk tolerance, and time horizon, in order to structure the optimum investment strategy. We will periodically review the client’s investment strategy to ensure that the portfolio is on track and to make any necessary adjustments. BCM will have discretionary authority to manage the client’s investment and the invested funds will be placed with a designated custodian. The fees for this service are based on the total assets managed by BCM.
Investment Advice - When circumstances prevent you from being able to transfer your investment portfolio over to BCM, we can still provide you with the sound, quality investment advice you deserve. In these situations, BCM can analyze your current investment portfolio, and make specific recommendations to maximize your investment strategy within the investment alternatives available to you. Examples of these types of investments may be a real estate rental portfolio, 529 College Savings Plans, company 401K plans or various annuity products. The fee for this service is typically based on an hourly rate.
Employer Sponsored Retirement Plans – BCM provides area employers with advisory services to help you, as a qualified plan sponsor, have the confidence that your plan is meeting the needs of your plan participants and the company. BCM can ease the burden by structuring a retirement plan that is most suitable for the participants, thus assisting the sponsor with compliance of the “Prudent Man” laws. The fees for this service are typically based on the total assets managed by BCM.
Investment Advice - When circumstances prevent you from being able to transfer your investment portfolio over to BCM, we can still provide you with the sound, quality investment advice you deserve. In these situations, BCM can analyze your current investment portfolio, and make specific recommendations to maximize your investment strategy within the investment alternatives available to you. Examples of these types of investments may be a real estate rental portfolio, 529 College Savings Plans, company 401K plans or various annuity products. The fee for this service is typically based on an hourly rate.
Employer Sponsored Retirement Plans – BCM provides area employers with advisory services to help you, as a qualified plan sponsor, have the confidence that your plan is meeting the needs of your plan participants and the company. BCM can ease the burden by structuring a retirement plan that is most suitable for the participants, thus assisting the sponsor with compliance of the “Prudent Man” laws. The fees for this service are typically based on the total assets managed by BCM.
Financial Planning ServicesWhile there is no universal template for providing a financial plan, BCM utilizes a defined process to develop the desired planning results, taking into consideration your future life goals, future wealth transfer plans and future expense levels. However, not all individuals either require or benefit from the same financial planning process. Threrefore, BCM first determines your financial planning needs, and then we implement a plan that delivers either a basic or a more comprehensive plan. The fee for financial plans is based on an hourly rate.
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Basic Financial Plan
The characteristics of a basic plan include:
- Income tax
- Educational needs
- Closely-held business activities
- Debt management
Comprehensive Financial Plan
If you have significant questions or concerns regarding your anticipated ability to reach your long-term financial goals, you may need a more detailed plan to help you ensure you are adequately planning for your future needs. The comprehensive financial plan may incorporate any of the following deliverables:
- Required Minimum Distributions
- Should you pay off debt?
- When should you collect Social Security?
- Would a Roth IRA conversion make sense?
The characteristics of a basic plan include:
- Primarily focused on the clients investments
- Helps determine appropriate asset allocation
- Includes basic retirement projections with simple assumptions
- May take into consideration any or all of the following concerns:
- Income tax
- Educational needs
- Closely-held business activities
- Debt management
Comprehensive Financial Plan
If you have significant questions or concerns regarding your anticipated ability to reach your long-term financial goals, you may need a more detailed plan to help you ensure you are adequately planning for your future needs. The comprehensive financial plan may incorporate any of the following deliverables:
- Detailed Cash Flow Analysis
- Required Minimum Distributions
- Income/distribution Strategies
- Income Tax Analysis
- Detailed Asset Allocation Plan Among All Accounts
- Stress Testing
- Advanced Analytics (for example)
- Should you pay off debt?
- When should you collect Social Security?
- Would a Roth IRA conversion make sense?
- Certain Elements of Estate Planning Analysis
- Debt Management