Our Values, Focus And How We Stand Apart

 

 

 Our Values

  • To deliver our services at the highest professional levels of moral and ethical integrity and compliant with regulatory standards
  • To tailor our advice and strategies to the unique circumstances of each client
  • To communicate well with our clients; listening to them so that we may continually improve our standards for performance and service
  • To earn the trust and confidence of our clients on an ongoing basis by demonstrating care and competence in the advice we give and the suitability of our recommendations
  • To build life-long relationships with our clients by meeting and exceeding their expectations in all aspects of our business practices

 

Our Focus and How We Stand Apart

  • We provide wealth and life advisory services for individuals, businesses, and organizations.
  • We help our clients grow and protect their wealth with our client centered financial strategies and risk control investment strategy.
  • We assist our clients with retirement planning, retirement investment strategies as well as help them during their retirement years.
  • We assist their tax advisor with implementing tax efficient strategies.*
  • We educate our clients on estate planning techniques, education funding strategies, liquidity enhancement strategies along with risk and liability management methods offered through affiliates.
  • We strive to satisfy these needs by taking a holistic approach and by pro-actively staying in constant touch with our clients.
  • Our clients receive unbiased, objective and honest advice through our complete understanding of their needs as well as experience our depth of capacity and our ability to harness the appropriate resources.

* Wachovia Securities is not a tax or legal advisor.

Our Process

We take a holistic approach toward our clients

Our Clients’ Needs Always Come First

Our Process Contains:

  • Complete Understanding of Our Clients' Needs
  • Diligent Analysis of Available Research
  • Provide Appropriate Suggestions and Advice
  • Implement Agreed Upon and Appropriate Strategies

 

 

        -For Example:  A Risk Control Strategy Within a Portfolio Would Include:

  • Proper Diversification
  • Quality Investments – based upon our analysis of available research and our experience working in various industries*
  • Appropriate Position Sizes
  • Stop Loss Orders
  • Tactical Positioning of Portfolios – based upon trends and market conditions
  • Continuous Re-balancing – based upon clients’ specific risk tolerance
  • Constant Monitoring, Updating, Reporting and Communication with Our Clients

*Please see our team qualifications for details

 

 

 

Structured and Disciplined Strategies

We believe one of the keys to successful investing is having a financial strategy in place that considers the many aspects of your life.

From start to finish, a properly documented financial strategy should leave no stone unturned. We embrace the notion that sound, basic principles must be followed consistently to provide the best possible results for our clients:

Knowing Our Clients — Obtaining all necessary information for the purpose of creating a thorough financial strategy and investment portfolio is imperative to the outcome. Understanding how you live is essential in tailoring a plan that can help provide the quality of life you desire.

Conducting Extensive Analysis of Available Research — Our clients place high value on the advice we provide, and we know that the quality of our advice is only as good as the information we have. Therefore, quality research is necessary to help ensure the accuracy of our recommendations. We have access to research created by Wachovia Capital Markets as well as several research correspondents which we use to do our analysis.

Asset Allocation* — The appropriate blending of stocks, bonds and cash equivalents; a fundamental approach to maintaining proper risk tolerance. Asset allocation is one of our guiding principals.

Diversification* — Combining various types and quantities of stocks and bonds within a portfolio. Asset Allocation and Investment Diversification are not mutually exclusive.

Quality of Investments — From the vast universe of investments, we have formulated a special process of analysis to examine, test and filter those securities which meet our specific criteria, to help ensure that our clients’ portfolios are properly structured to minimize risk and to help them meet their objectives.

Tactical Investment Strategies — Time in the market is more important than timing the market.  But, because everyone’s needs are different, we recognize the importance of customizing a portfolio to match the needs of the individual. It is all about ‘knowing our clients’.

Risk Control — For most investors, one of the biggest challenges to maintaining an investment discipline is having a defined exit strategy. Buying a quality investment is part of the equation, knowing when to sell it is equally important. Our strategic wealth management discipline is focused.

Monitoring and Re-balancing — Maintaining the integrity of a portfolio is a prime ingredient to long-term results. Re-balancing is the application of a disciplined process to help keep the designed portfolio structure intact, which in turn, serves to keep the financial strategy on a steady course.

Periodic Reviews — Life is full of surprises and unexpected events, and we will be there with you to meet any financial challenges you may face, head on. We not only create and implement a comprehensive financial strategy for each of our clients — we live it with them.

* Asset allocation and diversification cannot eliminate the risk of fluctuating prices and uncertain returns.

Neither The Calivas & Grabiec Financial Solutions Group nor Wachovia Securities is a legal or tax advisor. However, we will be glad to work with you, your accountant, tax advisor and / or attorney to help you meet your financial goals.