Financial Planning
Financial Planning is the bedrock that supports the Foundations of Trust and the Four Cornerstones of Wealth upon which our practice is built.
Our financial planning process is predicated on helping clients understand how their risk tolerance and emotions affect an array of financial decisions, including but not limited to asset allocation and investing, liability management, insurance, retirement choices, and estate planning strategies.
Risk Tolerance is influenced by subjective and objective factors:
Risk Aversion
Risk Aversion is a psychological preference to avoid or mitigate risk of loss even when the probabilities of better financial outcomes are favorable. Financial gains feel good, but losses “hurt,” and make us feel bad, and everyone’s threshold is different.
Risk Capacity
Risk Capacity, on the other hand, is a quantitative assessment of one’s ability to assume risk in pursuit of an investment-related objective. It takes into account the investor’s time horizon, net worth, income and expenses, liquidity needs, and goals.
We believe each client’s financial plan should align with their life plans, reflect their goals and values, and be adaptable to material changes in the markets, tax laws, and changes in the lives of our clients and their families.
Four Cornerstones of Wealth
We guide and counsel our clients through the accumulation, preservation, and distribution stages of wealth by addressing the four cornerstones of wealth. Each cornerstone sets the foundation for an array of subjects too numerous to list, but which include:
Investment Management
- Managing Portfolio Risk
- Tax-Aware Investing
- Retirement Income Strategies
- Alternative Investments
- Private Equity, Credit, and Real Estate
Tax, Liability, and Business Management
- Tax Planning Strategies
- Personal & Business Liability Management
- Executive Compensation
- Employee Benefit Plans
- Business Succession Planning
Non-Portfolio Risk Management
- Life Insurance for Family Protection
- Key Person Insurance for Businesses
- Long-Term Care and Disability Insurance
- Guaranteed Income Strategies
- Asset Protection Strategies
Estate Planning Strategies
- Legacy and Charitable Planning
- Estate, Gift and Generation-Skipping Tax Planning
- Titling and Beneficiary Designations
- Power of Attorney, Living Wills, Healthcare Powers
- Planning for Business Interests and Unique Assets
Neither Teders Quackenbush Wealth Management nor &Partners renders legal or tax advice. Please consult your tax or legal advisors before taking any action that may have tax consequences.
Our Investment Philosophy
We focus on long-term strategies while making tactical adjustments when your situation or market conditions change. Working with us means having a partner who helps you avoid the behavioral mistakes that erode
- We don’t chase recent performance.
- We don’t try to time the market.
- We help filter out market noise to focus on what matters.
- We help our clients avoid emotional decisions during periods of heightened volatility.
We Listen First, Then Plan Together.
Before we talk about strategies or solutions, we want to understand you. What keeps you up at night? What are you working toward? That foundation shapes everything we do together.
- Develop strategies aligned with your situation, time horizon, and comfort with risk.
- Diversify broadly using investments selected through evidence-based research.
- Prioritize cost-effective, tax-efficient solutions.
- Review your plan, can adjust for material changes in markets or your life.