What Is Portfolio Analysis and Why Is It Important?
“No matter what happens,” my flight instructor would say, “Keep flying the plane.” Life is full of distractions, and it can be difficult for investors to stay focused. As a CERTIFIED FINANCIAL PLANNER™ practitioner, a father of a large family, and a private pilot, I understand focus. At Wyson Financial, we create personalized portfolios for each client. We then stay focused on your investments, allowing you the time to focus on what matters most to you.”
Dan Wyson CFP® Founder
Our Goal
The theme at Wyson Financial is “Confidence and Stability.” This is because ultimately, what all investors want is to know that they will be taken care of financially, especially in their retirement years. That confidence does not only come from solid investment decisions, but by matching those decisions with the needs and goals of the individual. It also comes from regular contact with our clients so they are always aware of what we are recommending and why. It is our goal that when market turbulence comes, or life’s winds blow, as often happens, our clients can feel confident in knowing their financial matters are being handled by a team of caring professionals, and they are on track.
The Wyson Financial Experience
When you work with Wyson Financial you will likely have an experience different than you have had with other firms. You will find a team of individuals who not only care about your investments, but who sincerely care about you and your family. Our goal is to build lifetime, multi-generational relationships with our clients. Because of this we are not able to accept all who come to us. We believe such a long-term relationship needs to be a good fit, for both parties. During our initial appointments we will be looking to see if we are a good fit for you, and if you are a good fit for us. Because we believe so much in having a professional financial planner relationship, if we find that the fit is not right for any reason, we will be happy to assist you in finding a planner that is a good fit for you.
Our Proprietary Investing Strategy
FOUR PILLARS OF INVESTING
Cash: Every family needs cash on hand for immediate and emergency needs. The amount in this pillar is dependent on each individual situation. The main purpose of this pillar is to have cash readily available when you need it, with a secondary focus on rate of return. Foundation: As every home needs a solid foundation to weather the storms, every portfolio needs a good foundation as well. Foundation investments are longer-term holdings designed to build over the course of your lifetime, with less concern about short-term market movements. These often make up the bulk of your retirement savings. Opportunity: As economies and markets move and react to world conditions, opportunities to take advantage of these movements are constantly presenting themselves. This pillar is where we take advantage of those shorter-term opportunities. This pillar is not limited to any specific area as most investments have the potential at one time or another to fall into this group. Opportunity investments may include any reasonable holding so long as there is a short-term potential for higher-than-normal profits. Alternatives: I feel it is important to own investments that are not correlated to the traditional stock and bond markets. Alternatives are investments that move in their own cycles and therefore can have a stabilizing effect on the rest of the portfolio. Alternatives may be designed also to help protect against specific risks, such as inflation or currency movements. Alternatives are individualized to each investor’s situation. Investing in alternative investments may not be suitable for all investors and involves special risks such as risk associated with leveraging the investment, potential adverse market forces, regulatory changes, and potential illiquidity. There is no assurance that the investment objective will be attained.
Disclaimer: Alternative investments involve substantial risks that may be greater than those associated with traditional investments and may be offered only to clients who meet specific suitability requirements, including minimum net worth tests. These risks include but are not limited to: limited or no liquidity, tax considerations, incentive fee structures, speculative investment strategies, and different regulatory and reporting requirements.
The Capstone
Legacy Planning
It is estimated that most inheritances are spent in less than a year. We have sadly watched as one generation saves and budgets carefully their entire life, only for the next generation to quickly squander the wealth when it falls into their hands. If wasting money was all it amounted to it may not be so bad, but often heirs upgrade their lifestyle with their newfound wealth and then are unable to maintain it once the money is gone. Thus, they find themselves worse off than had they never received an inheritance. We seek to solve this problem by building, where possible, a relationship with the heirs of our clients. We have found that if we can help the younger generation develop good money management practices, they do far better when they receive their inheritance. We also use strategies where needed, in conjunction with estate planning attorneys, to structure accounts so that an inheritance may be paid out over time rather than in a lump sum. There are several methods for creating a legacy plan that will stretch out an inheritance, to assist heirs in gradually becoming accustomed to the money over time rather than receiving a lottery-like payout. Our results in this area have been encouraging, as we have observed more children and heirs receiving money from their parents and grandparents in ways that appear less likely to be misused.
Next Seminar TBA!!
We will be communicating the date and time for our next seminar in the near future. It will be updated here, or to stay better informed, please send and email to [email protected] indicating that you would like to get on our email list to receive updates on upcoming events and more.
- If you are a current client of ours and would like to attend, please RSVP via phone or email — And as always, you are welcome to RSVP for a friend as well.
- If you are not yet a client, please reach out and we would love to have you if we have seats remaining!
Phone: 435-986-9525
Seminar: TBA
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Jared Wyson CFP
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Jason Wright CFP
Wyson Financial Conference Center Date: TBD Time: TBD 375 E. Riverside Dr. St. George, Utah 435-986-9525 [email protected] Please RSVP to reserve your seats
Women and Investing
An article in Forbes magazine in March of 2011 called financial services, “The Industry Women love to Hate.” At Wyson Financial we have made it our goal to change that perception. Women are estimated to control about 2/3rds of the family wealth in our nation and combined with an average lifespan six years longer than men, women are more likely to live alone in their later years. Under the direction of one of our CFP® professionals, this group meets regularly to learn about financial matters of particular interest to women. We choose topics based on feedback from the group and discuss them in an open and enjoyable format. We invite women of all investing skill levels to join us as we share and learn together. There is no cost for these events so please come and even bring a friend or two, or come alone and make some new friends. This group discussion is provided for educational purposes only and is kept small by design, so please RSVP with your name and number so we can save a spot for you. No selling or marketing is permitted at these meetings, and no one will contact you beyond a reminder when the date arrives.
Next Meeting – Wyson Financial Conference Center
Date: To Be Determined – Please click button below to get on our list 375 E. Riverside Dr. St. George, Utah 435-986-9525 [email protected] Please RSVP to reserve your seats
Ongoing Education
We are always learning and always teaching. Our regular seminars, articles, and books and other educational outreach efforts are designed to keep our clients and friends stay updated on markets, economies, and planning strategies that we feel are valuable and pertinent. We are always happy to meet with anyone in person on the phone, to answer any question. Our Ask a CFP® program accepts calls from anyone on any financial topic at no charge. Whether investing, seeking a second opinion on a loan, or planning for a childs’ education, or any other topic if we do not have the answer we will find it for you. Our goal is to the be financial resource to the community.
Our Advisor Team
At present, in addition to our back-office analysts and support staff, we utilize three full-time CFP® professionals. Dan Wyson CFP® Jason Wright CFP® and Jared Wyson CFP®. We believe that having the CFP designation is critical to understanding the four main areas of financial planning: Investments, Insurance, Estate and Tax planning. In the case of estate and taxes, since we are not attorneys or CPAs we will refer clients to professionals in these areas as needed.
Our Founder
Dan Wyson, CFP®, is a passionate financial educator and author who has written more than 800 weekly articles for newspapers across the country. He is the author of 21 Financial Myths, available complimentary upon request, and The 9th Question, his latest book on investing.
Through his writing, speaking, and client work, Dan is committed to making financial concepts clear, practical, and approachable. He believes people make more confident decisions when they understand the fundamentals of investing and the reasoning behind their options.
Get in Front of the Herd
If you want to catch an elephant, don’t sneak up behind it and shoot it in the rear with an arrow. Get out in front of it and dig a big hole. Like amateur elephant hunters, too often investors take the bow-and-arrow approach. They are constantly running behind the herd, shooting at them fruitlessly with little arrows. A wise investor carefully and patiently studies the movements of the herd, then gets out in front of it and digs a few nice holes. At Wyson Financial/Wealth Management our goal is to get you in front of the herd – and keep you there.
Every investor’s situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. This information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. Past performance does not guarantee future results. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Be sure to contact a qualified professional regarding your situation before making any investment or withdrawal decision. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.