In the complex world of retirement income planning, finding the right investment management strategy can feel like navigating a maze. Your portfolio must be able to handle market volatility and changing tax laws, all while under pressure to make your hard-earned next egg last a lifetime, it's no wonder many investors feel overwhelmed by their choices.
This is not right! You should not be confused. You should feel clear and confident in the investment decisions you are making!
At Wichita Wealth, we believe that successful investing isn't just about cold numbers—it's about aligning your investments with your life's purpose and goals. Our approach is designed to give you peace of mind, knowing that your retirement savings are working as hard as you have.
The Foundation of Our Approach: Purpose > Plan > Portfolio
We don't believe in one-size-fits-all solutions. Our investment management strategy is built on a simple yet powerful principle:
Purpose: We start by understanding what truly matters to you. What are you trying to accomplish? What does your ideal retirement look like? What legacy do you want to leave? By clarifying your purpose, we ensure that every investment decision is aligned with what you actually want to accomplish.
Plan: Based on your unique purpose, we craft a comprehensive financial plan. This isn't just a static roadmap—it's a dynamic GPS that adapts to life's changes and market conditions.
Portfolio: Only after we've established your purpose and plan do we design your investment portfolio. This ensures that your investments are truly serving your needs, not just chasing arbitrary benchmarks.
This approach allows us to fit our investment strategy to any goal. Whether you're looking to travel the world, support your grandchildren's education, or simply enjoy a worry-free retirement, we can help build a portfolio to make those dreams a reality.
The Six Pillars of Investment Management: Your Blueprint for Financial Success
Once we know your purpose, and together we’ve developed your plan. You need an actual portfolio. Our portfolio’s are based on our investment philosophy. Our philosophy is built on six core principles that guide the decisions we make. These pillars are designed to maximize your chances of success while minimizing unnecessary risks.
Time Horizon Alignment: Investing for the Long Game
One of the most common mistakes we see is retirees becoming overly conservative with their investments at the wrong time. Here's a surprising fact: If you retire at 65, you might still have a 30-year investment horizon ahead of you!
We carefully align your investments with your true time horizon, not just your age. This means:
Maintaining an appropriate balance of growth and income investments
Avoiding the pitfall of being too conservative too early
Ensuring your money has the potential to last as long as you do
Embracing Volatility: The Price of Admission for Long-Term Gains Market ups and downs can be nerve-wracking, especially when you're relying on your investments for income. But here's the truth: Volatility is not the same as risk. True risk is the possibility of not meeting your financial goals.
Did you know? Studies show that investors who check their portfolios less frequently tend to achieve better returns. We help you find the right balance between staying informed and avoiding panic-driven decisions by:
Educating clients on the natural cycles of the market
Designing portfolios that can weather market storms
Focusing on your long-term objectives, not short-term fluctuations
Staying the Course: The Power of Persistence Warren Buffett once said, "The stock market is a device for transferring money from the impatient to the patient." We couldn't agree more. Our investment strategy is built on the principle that time in the market beats timing the market. How we help you stay the course: During the 2020 market crash, 98% of our clients stayed fully invested. As a result, they captured the full rebound and are now in a stronger position than ever. We focus on:
Regular portfolio reviews to ensure alignment with your goals
Clear communication during market turbulence
Behavioral coaching to avoid emotional investment decisions
Preparation, Not Prediction: Focusing on the Probable, Not the Possible Turn on any financial news channel, and you'll hear countless predictions about where the market is headed. The truth? No one can consistently predict short-term market movements. Instead of trying to forecast the unpredictable, we prepare for a range of scenarios. Interesting fact: A study by CXO Advisory Group tracked 6,582 predictions made by 68 investment gurus. The average accuracy? Just 47%—worse than a coin flip! Our preparation strategy includes:
Stress-testing your portfolio against various market conditions
Maintaining appropriate cash reserves for short-term needs
Diversifying across asset classes to mitigate risk
Expense Management: The Silent Wealth Builder When it comes to investing, what you don't lose can be just as important as what you gain. High funds fees can silently erode your wealth over time. That's why we're relentless in our pursuit of cost-efficient investment strategies. Our approach to minimizing expenses:
Utilizing low-cost index funds and ETFs
Implementing tax-efficient investment strategies
Minimizing portfolio turnover to reduce transaction costs
Practicing What We Preach: Aligning Our Interests with Yours Perhaps the most important pillar of our investment philosophy is this: We invest our own money following the same principles and investments we recommend to you. This isn't just a business for us—it's a shared journey towards financial success. What this means for you:
Confidence that we truly believe in our investment strategies
Alignment of interests between advisor and client
Transparency in our approach and decision-making process
Your Next Steps: Turning Knowledge into Action
Now that you understand our investment management philosophy, you might be wondering, "What's next?" Here are a couple ways you can take action today:
The first step is a phone call to gather some information.
After that we will schedule a Discover Meeting and discuss your unique situation to see if our approach is right for you. This meeting is no-cost, no-obligation and we cover:
Your current investment strategy
Discuss your retirement goals and concerns
Our fees and what it is like to work with us.
Remember, the decisions you make today will shape your financial future. Don't leave your retirement to chance. Take the first step towards a more secure, confident retirement by reaching out to us today.