Investment Management

Finding the Right Investment Strategy That Works For You.

Reaching your financial goals hinges on two key elements: maintaining a disciplined, strategic savings approach and adopting a sound investment philosophy. I advocate for a passive investment strategy based on a diversified asset allocation approach, tailored to your individual goals, risk tolerance, and time frame for contributions. This is a proven and reliable method backed by Nobel Prize-winning scholars, privately funded research centers, and studies conducted by some of our nation's top universities.

Taking Charge of Your Account Security

All your assets are kept in your personal accounts at a reputable Custodian. As an advisor with management rights, I can only oversee and manage investments; I have no authority to withdraw assets from your accounts. Your assets are held with Charles Schwab, one of the largest custodian banks in the United States. Notably, they are a member of the Securities Investors Protection Corporation (SIPC), ensuring protection for client accounts up to $500,000.

You'll receive monthly account statements directly from Charles Schwab, and you also have convenient online access to all your accounts.

Here To Help Every Step

I understand that investing can be a test of patience, emotions, and convictions. During volatile market periods or when headlines predict challenges, my role is to keep you on track.

Investment Approach

I construct a portfolio using low-cost index funds. My role isn't to outperform the stock market; rather, it's to keep you aligned with your goals and let the market do what it's good at. It's all about spending time in the market! Your total return depends on a steady flow of dividends and interest, which I reinvest to compound over time. Opting not to stay consistently invested means missing out on a significant portion of your potential returns.

Common Index Funds & ETFs Used

Navigating the world of investing can be a challenge, testing your patience, emotions, and convictions. During volatile market periods or when headlines predict challenges, my role is to keep you on track.

Overview Of Singh PWM Investment Management Process

I refrain from employing standardized portfolios. Instead, I tailor your investment collection to suit your individual requirements. In our discussions about your comprehensive financial strategy, I evaluate the accounts to tap into and harmonize investments accordingly. Each investment choice is synchronized with the consideration of tax efficiency.

Aligning Investment Strategies

In my financial planning process, I establish a designated rate of return to assess the success of your investments. Aligned with these objectives, I design a portfolio with an anticipated rate of return matching or surpassing the target. This objective serves as a reference point for evaluating future investment performances while keeping a close eye on the progress of your plan.

Measuring Performances

Each year, I revise your plan to assess real versus planned performance. As needed, I adjust plan assumptions or income/expense items to accommodate life changes.

Monitoring Progress

This will be your retirement distribution strategy for your Financial Independence. As you begin the transition into retirement, I handle setting up direct deposits, Required Minimum Distributions (RMD), tax withholdings, tax estimates, 401(k) and 403(b) rollovers/account consolidation and social security & Medicare planning.