The main service of the company is fee-based asset management. We establish our client's accounts with Fidelity Investments. Fidelity, one of the top rated brokerage and investment firms, provides our company with an extensive investment platform for us to use to provide our clients comprehensive investment management. 

After consultation with us, clients choose from among the several investment strategies offered by Williams Financial Group that best fits their situation and investor profile. We then manage the portfolio on a discretionary basis with a goal of achieving the client’s longer-term return objectives while working within a predetermined level of risk that is acceptable to the client.

Our Investment Management Process
Prudently managing assets is more than simply buying different investment vehicles – it encompasses an entire process as shown below.

1. Define Client Investment Needs and Objectives – Identifying investment goals is the driving force behind the investment process. We assist our clients in determining their needs and objectives, time horizons, liquidity requirements and risk/return parameters.

2. Develop Long-Term Investment Strategy – After understanding each client’s specific financial profile, we create a personalized long-term investment strategy. This strategy integrates the client’s needs and goals with current developments in the economic and financial markets.

3. Design Appropriate Asset Allocation – A client’s long-term investment strategy serves as a basis for effectively allocating their portfolio among a broad set of asset classes. Each asset class is analyzed in terms of the magnitude of historical returns, expected future returns, as well as the risk associated with those returns. Our goal is to achieve the optimal risk/reward relationship for each client.

4. Selection of Specific Managers – We use sophisticated analytical tools and resources to identify the best managers for each asset class. We analyze their investment philosophy, buy/sell disciplines, research capabilities, consistency of investment approach, relative and absolute investment returns, variability of returns, manager experience and overall investment skill. In-depth conversations are a critical part of the evaluation process. We invest with managers who have passion, discipline, experience and expertise.

5. Monitor, Analyze and Report on Investment Results – We monitor market conditions to decide where the relative values are, evaluate investment managers to determine whether they are meeting expectations and communicate with clients to find out when their needs change.

6. Consider Changes in Objectives, Strategy and Managers – Shifts in market or economic conditions, issues with specific managers, and/or changes to a client’s specific needs or situation are common reasons we consider making strategic changes to a portfolio. Before implementing such changes, we take into consideration each client’s specific situation as it relates to their cash flow needs, tax situation, goals and objectives.

Organization
If you are like most of us, you have bits and pieces of your financial life in folders, files and other hideaways. Our goal is to identify areas of concern and areas of opportunity and assess your current position.

Prioritization
What is most important in your life? Is it more important to save for retirement or to set up education funding for your children? Is it more important to spend more time with your family or to attempt to earn more so that you could possibly retire sooner? What are your priorities?

Delegation
Some of the important things in your life can be delegated and others cannot. You cannot delegate time with your family, or vacations. You can delegate housekeeping and investment management. Of those high priority items on your list, which can be delegated? Once you have decided which tasks can be delegated, you will need to decide how to delegate them. We can help you create and integrate a team of professionals for your financial, tax, estate and investment planning. Our clients frequently choose to meet with their team of advisors at our office so that all of their financial affairs take place in one familiar location. Creating this team is integral to finding time to do the other important things in your life.

Implementation
The very best planning is worthless if the plan is not implemented and monitored. If you need estate planning, we work hard to help make sure it gets done. If your investment portfolio is not properly allocated and diversified, you need to develop an appropriate investment policy and rebalance the portfolio to be in line with your policy guidelines. Investments need to be reviewed for manager changes, rebalancing, underperformance relative to peers, internal expenses and other fundamental management changes.

Refinement
As time goes by, your life changes. Your income increases, your children go to college, you retire. With each step, your plan will need to be reviewed and refined. It is important to review your goals and objectives from time to time. Today's dream may not seem so appealing tomorrow, but another, much more attractive goal may occur to you. Fine tuning your financial plan is an important key to its success. If you make small adjustments along the way, you are much more likely to achieve your goals.
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