Step 1 Getting To Know You

Tell us your financial goals. Common goals are financial independence, educating children and grandchildren, charitable causes, and passing on wealth to future generations. Even those common goals mean different things to different people. Tell us what they mean to you. Your time-frame and risk tolerance are additional pieces of information critical for us to build the right investment portfolio for you.

Step 2 Asset Allocation

Asset allocation helps investors reduce risk and it is historically the single most important factor is determining how a given portfolio will perform over time. Think of a street vendor with an inventory of 100% sunglasses. Replace a portion of that inventory with umbrellas, and you get the idea of how a diversified portfolio might benefit the performance of that “portfolio” over time. We will work with you to build an asset allocation model and plan that meets your needs. We will make tactical changes over the short- and intermediate-term, within the overall framework, to take advantage of anticipated market developments.

Asset allocation does not ensure a profit or protect against a loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

Step 3 Investment Selection

We implement the selected asset allocation plan with carefully selected investments, often in low-cost Exchange Traded Funds (ETFs) or with managers with established track records. When you work with RWP Capital, you will gain the benefit of LPL Financial’s research resources check them out. Specifically, LPL Research has a team of over 40 research professionals averaging 12 years of industry experience managing over $30 billion in assets under management* (over $161 billion in assets under advisement**). While we have access to a broad array of securities and platforms with which to build your particular portfolio, we have no proprietary products to sell and no investment banking relationships to cultivate. Investment selections are made with only your goals and circumstances in mind.

An investment in Exchange Traded Funds (ETF), Mutual Funds, or Unit Investment Trusts, involve risk of losing money and should be considered as part of an overall program. An investment in ETFs involve additional risks such as lack of diversification, price volatility, competitive industry pressure, international political and economic developments, possible trading halts, and index tracking errors.

* Asset and portfolio data through 3/31/18 for assets where LPL Research has discretion.

** Estimate through 3/31/18 for assets where LPL advisors have discretion leveraging LPL Research advice through our advisory platforms.

Step 4 Management and Communication

RWP Capital will continue to manage and update your portfolio as circumstances dictate. Changes may be necessitated by market conditions or by changes in your personal circumstances or objectives. We will also rebalance the portfolio as necessary to keep it within the parameters of your target asset allocation.

What are your communication preferences? Do you prefer email, phone call, or in-person communication? Do you prefer quarterly, semi-annually or annual portfolio reviews? Some people have little interest in their portfolio other than to know that it is being managed by competent professionals. Other people find the subject of personal finance as fascinating as we do, and they want to be regularly and frequently engaged. Naturally there are people all along that spectrum. Let us know your preferences. You will find us to be flexible, accessible, and respectful.