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Investment ManagemenT
At Wolfpack Wealth Management, we can help you develop an investment strategy that aligns with your financial goals, time horizon and risk tolerance. We use a data-driven approach to investment management, combining top-down and bottom-up research to select investments that we believe will provide attractive returns over the long term.
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Strategic Asset Allocation
We create a diversified portfolio of assets that is designed to maximize returns and minimize risk.
We develops an asset allocation strategy based on your investment goals, risk tolerance, and investment time horizon.
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Investment Selection
We use a disciplined investment process to select individual securities, mutual funds, ETFs, and other investment vehicles.
We carefully consider factors such as expense ratios, management fees, and liquidity to select investments that meet our rigorous standards.
Ongoing Monitoring
We continuously monitor markets and provide adjustments as needed to keep it aligned with your investment objectives.
We keep you informed about market trends, economic events, and other factors that could impact your investment portfolio.
Diversification
Diversification increases returns while decreasing risk.
Portfolios with different asset classes such as cash, stocks, bonds, international exposures and alternatives have a much better opportunity for a positive return.
Direct Investment Management Services
Our Direct Investment Management Services (also known as direct portfolio management services) are designed for clients who prefer to have their investments managed by us directly.
We work with you to develop a customized investment strategy and build a portfolio of individual stocks, bonds, and other securities that aligns with your financial goals and risk tolerance. We continuously monitor your portfolio and make adjustments as needed to keep it aligned with your investment objectives.
Our fee is a tiered fee, paid in arrears, is calculated by assessing the percentage rates using the predefined levels of assets as shown in the below chart and applying the fee to the daily average account value of the previous quarter.
AUM | Annual Fee |
|---|---|
$0 - $2.5MM | 0.85% |
$2.5MM - $5MM | 0.75% |
Over $5MM | 0.70% |
Held Away Account Services
If you have investments held at another financial institution or you would like to have final discretion we provide advisory services through our Held Away services (also known as indirect portfolio management). We provide analysis and recommendations, especially if there are limited funds available for example in 401(k)'s, for your Held Away assets to ensure that they align with your overall investment strategy and goals.
Our advisory fee is a tiered fee, paid in arrears, is calculated by assessing the percentage rates using the predefined levels of assets as shown in the below chart and applying the fee to the account value as of the last day of the previous quarter.
AUM | Annual Fee |
|---|---|
$0 - $2.5MM | 0.50% |
$2.5MM - $5MM | 0.45% |
Over $5MM | 0.40% |
We offer services for business clients who would like our advisory services as a 3(21) Investment Advisor in a co-fiduciary capacity for employee benefit plans.
The annual plan expenses related to investment advisory services (e.g., fund selection, monitoring, and employee education). This does not include fees to other parties, such as Recordkeepers, Custodians, or Third Party-Administrators. Fees for this service are either paid directly by the plan sponsor or deducted directly from the plan assets by the Custodian.
Our advisory fee is a tiered fee, paid in arrears, calculated by assessing the percentage rates using the predefined levels of assets as shown in the below chart and applying the fee to the account value as of the last day of the previous quarter.
To accommodate start-up employee benefit plans, we will charge a minimum flat fee of $750 per quarter ($3,000 annually), paid directly by the plan sponsor, until assets reach a total balance of $500,000, which, at that point, the fees revert to the below schedule. We will be compensated according to the value of plan assets not to exceed 1% of total plan assets.
AUM | Annual Fee |
|---|---|
$0 - $500K | $3,000 |
$500K - $1MM | 0.60% |
$1MM - $1MM | 0.50% |
Over $5MM | 0.40% |
Investment Management Process
Step 1:
Complimentary Assessment
This 30-minute meeting lets us ensure your situation matches our knowledge and experience.
Ready to move forward?
We encourage you to reach out to us for a Free Financial Assessment.
Step 2:
Complete The Investor Risk ProFile
You will fill out a the Investor Risk Profile that will ask you questions regarding your risk tolerance, time horizon and any limitations. The information will help tailor our strategy meeting as we work together to gain more knowledge of your situation.
We will require the following account details (if applicable):
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Investment account statements
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Retirement account statements
The more details you provide, the better we can help.
Step 2:
Sign The AgreementS & Custodian Paperwork
You will sign the agreements allowing us to begin working on your personalized Investment Policy Statement. Also, any paperwork that is needed with the custodian shall be signed.
Step 3:
Strategy Meeting
Just like when you go to a doctor to diagnose an issue, they prescribe a solution after they know your situation. We do the same when it comes to your financial situation.
We use the information from the Investor Risk Profile as it will help tailor this 1-hour strategy meeting as we work together to gain more knowledge of your situation.
We will dig deeper into your goals, needs, and any concerns you may have.
Step 4:
Developing Your Investment Policy Statement (IPS)
Based on the risk tolerance score, the IPS is a written plan that provides direction and guidance for your customized portfolio that is optimized to meet your investment goals and objectives. We create a diversified portfolio with ideal weights and distribution between cash, stocks, bonds, international exposure, and alternatives.
Step 5:
Sign The Investment Policy Statement (IPS)
Once client approved, we begin to invest your funds based on the IPS. The objective is to achieve the benefits of diversification to minimize risk.
Step 6:
Check-in Progress Review
After becoming a client, we hold review meetings to discuss progress and any new significant changes to your goals, objectives, constraints, or circumstances.
We will also reach out to our clients to reevaluate goals, decisions, and upcoming life events.
You are no longer alone!