The Community Banker 9 we are comprehensive, we mean it from beginning to end, which a client can clarify, verify, and experience firsthand. Some firms still use model or age-based portfolios which are not always best suited for a client. A model portfolio is used after a client fills out a survey of sorts, and the “score” determines which portfolio they go into. An agebased formula might take 100 and subtract a client’s age from it to determine the percentage they should invest in stocks and the rest in fixed-income. Both ideologies are not only archaic but don’t allow for depth, sophistication, or customization. And if the goal is the best risk-adjusted return based on fees, volatility, diversification, and taxes, a model may not be up to the challenge. Our solution is a financial planning-led approach where we identify a rate of return needed to meet the specific client goals while mitigating risk, taxes, and any legacy goals the client may have. We act as fiduciaries 100% of the time and have the tools and resources for flawless execution. A client getting this type of depth and sophistication is not only willing to pay the annual advisory cost but, what's more, often becomes an advocate. This leads to greater client satisfaction, additional business, and growing streams of ongoing revenue. There is a lot of social proof regarding our track record of delivering on our promise to clients. We’ve been recognized by outlets such as Barron’s, CNBC, Worth, Financial Times, as the #1 firm in the country. We have a long track record of very successful and long-term partnerships, so we understand how to be a value added without taking anything away from our partners. We currently have $100 billion in assets (as of November 2021), with advisors serving clients in all 50 states and worldwide. Here are some of the services available: • Investment Management — Always customized, comprehensive, and fully optimized • Tax Planning and Preparation — Strategies to mitigate current and future tax liabilities • Trust & Estate Planning — Preserving and transferring wealth while mitigating fees, risk, and taxes • Retirement Plans — Establish and/or maintain company retirement plans at all sizes • Institutions — Operations, governance, and portfolio management for various nonprofits • Businesses — Valuations, dispositions, succession planning, and other needs • International — Helping Americans living abroad manage their global financial nuances For our Montana bank partners, we can help establish and/or enhance your wealth management program in a way that adds value, increases client satisfaction, and grows your business on your terms. If you want to explore ways we can help your bank grow in the wealth management space, please call Clay Baker at 314-882-6940 or email at clay.baker@creativeplanning.com. Trusted in Montana for Over 60 Years CWG Architecture Architecture Engineering Interior Design (406) 443-2340 650 Power St. Helena, MT cwg-architects.com
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