Wouldn't it be great to take the mystery out of your investments?
Get all the facts you need?
Stay in control?
Deal with only ONE person?
Savvy investors benefit from a process used by large organizations
Finding your way through the huge selection of stocks, bonds, mutual funds and other financial products on the market can be a daunting task. What do you choose and why? When you worry, hesitate or are uncertain about your decisions, it can affect the long-term performance of your portfolio.
But working towards long-term gains involves more than just choosing a broker to buy investment products. And it can take hours of your time to keep track of exactly what's happening with your portfolio.
Many large companies and organizations use a Prudent Investment Process to manage and monitor decisions regarding pension plans, endowments and foundations. These worthwhile steps are not widely known to or used by the general public.
Now, as an independent advisor, Carolyn Tomlinson makes this valuable tool available to individuals and smaller organizations. You can enjoy the same benefits without having billions of dollars at your disposal.
4-step Prudent Investment Process takes the mystery out of investing
Just think how nerve-racking it is when you have to make weighty decisions with long-ranging consequences. The 4-step Prudent Investment Process gives you the facts you need to make those important decisions without getting caught up in the emotion of chasing the hottest security, investment product or industry.
It offers a straightforward learning experience that leaves you in control. You can see that investment decisions (such as risk and expected return, allocation, products, contributions, withdrawals) are not difficult when you approach them in a structured manner.
A single source with broad resources
From beginning to end you need only speak to one person, Carolyn, because she has a broad overview of what's going on with your account. As well as saving you time and money, this minimizes the dangers of faulty communication or the risk of information falling through the cracks.
"Within any success, there are clues that can help you repeat the success and build upon it..."
- Dr. Joe Vitale, Life's Missing Instruction Manual, (2006) John Wiley & Sons
What is your unique financial code?
You might think this is an odd question, but there's no doubt that your financial preferences and behavior influence every decision you make for yourself or others. That's why it's critical to gain insights into your unique financial personality code before beginning your consultation.
In about 20 minutes, online profiles provide information that will:
Increase self-awareness
Help manage risk tolerance and expectations
Uncover both positive and self-defeating behavior patterns that create money traps
Help to successfully navigate these money traps
Increase motivation
Accelerate your learning curve
Improve communication between you and everyone involved in and affected by your financial decisions (your consultant, family, executives, partners and others).
Need a second opinion?
Specialized training and certification as an Accredited Investment Fiduciary TM authorize Carolyn to review your portfolio and assess ways to improve its management.
If all you need is an objective opinion, you can opt for just this portion of her services.
Asset allocation that fits your goals and values
Together with Carolyn, you design a strategy that takes into account your risk tolerance, your time horizon, your tax status, your goals and objectives, and any other factors that need to be considered.
Choosing money managers
Carolyn does not choose stocks, bonds or other products for you. Once a strategy is in place, she helps you to select professional money managers whose track record and philosophy best fit your situation, your goals and objectives, and your values.
Regular review keeps you on track
Depending on your needs, Carolyn sits down with you quarterly or annually to measure the performance of your portfolio against your goals. At this time it may be adjusted to bring it back to its original strategic allocation percentage so that you continue to move in the right direction.
Evaluating your money managers
Once a quarter Carolyn evaluates your money managers including their fees and expenses, and the return on your investments. She measures money manager performance against the appropriate index e.g. S&P, Russell 2000.
But then she goes one step further and compares managers to peers who are managing the same type of portfolio. If they don't measure up or if there have been major changes at their company that may affect their ability to serve you, she may recommend replacing them to make sure that you are getting the best service and an acceptable return on your level of risk.
Full disclosure of fees
All services are provided on a fee-only basis. Carolyn discloses her fees to you in advance so you know right from the start what your expenses will be. There are no hidden costs to surprise you.
She does not sell stocks, bonds, mutual funds or any other products nor does she receive commissions on any of the products she recommends for her clients.
Carolyn's guarantee to you
Unlike a broker, who owes allegiance to a firm, Carolyn's loyalty is to you alone. That's her pledge to you. You have an advocate who gives you impartial advice, free of hidden agendas or vested interests.
The 7 global fiduciary rules
Carolyn took an oath to provide advice in accordance with a Global Fiduciary Standards of Excellence, as defined by Fiduciary 360. Fiduciary 360 is the identity brand for three related entities: The Foundation for Fiduciary Studios, Fiduciary Analytics, and The Center for Fiduciary Studies (The Center). The Center is associated with the University of Pittsburgh, Joseph M. Katz Graduate School of Business and focuses exclusively on training and research in investment fiduciary representation and portfolio management.
The 7 global fiduciary rules that Carolyn follows were developed by The Center.
These rules are:
1. Know standards, laws and trust provisions.
2. Diversity assets to specific risk/return profile.
3. Prepare an investment policy statement.
4. Use prudent experts. Document due diligence.
5. Control the account for expenses.
6. Monitor the activities of the prudent experts.
7. Avoid conflict of interest and prohibited transactions.
With these rules underlying all Carolyn's advice, your investments are handled with uncompromising attention to what's best for you.
The next step
For details of the 4-step Prudent Investment Process and how it can help you gain peace of mind while steering you consistently towards your goals, call Carolyn Tomlinson at (805) 523 9123.
"Never fret about what you did not do yesterday, act today."
- Raymond Hull, How To Get What You Want (1969), Longmans Canada Limited.
With a Registered Investment Advisor by your side, you'll learn
- To really understand what's going on with your portfolio, so that you get rid of feelings of uncertainty and have peace of mind.
- How one neutral third party can help you develop a new investment strategy or strengthen your current one.
- That you can discuss your investments with a patient advisor, who explains them in an easy-to-understand way.
- What it feels like to be in the loop and in control when dealing with your financial advisor.
- That professional investment guidance can empower and encourage you after the loss of a spouse or significant other.
- That you can develop confidence to diversity your assets.
- How to make or clarify investment decisions to support your responsibilities as a trustee, plan sponsor, investment member or partner.
- To have your investment portfolio organized in a way that makes it easier to manage.
- Financial wisdom that you can pass on to your children or grandchildren.
- How to feel more comfortable about facing your retirement years.
- That you can spend less time managing your investments and more time with family, friends and hobbies.
To find out more about how a Registered Investment Advisor can make your life simpler, call Carolyn Tomlinson at (805) 523 9123 or email her at xxxxxxxxxxxx.
Carolyn J. Tomlinson
Educator, advisor, advocate
In 1998 Carolyn Tomlinson's desire to help clients with truly objective advice let her to start her own business as an independent investment advisor.
She was already a seasoned professional with 27 years experience. At Bankers' Trust Company, New York, she held both analytical and lending positions. She served as an Agent and Registered Representative for New York Life and NyLife Securities, and was a Vice President in the Corporate Banking Department of Security Pacific Bank.
Today she provides a wide range of services to individuals (Including those with 401K plans), trusts, family limited partnerships, charitable organizations and businesses.
Carolyn is licensed as a Registered Investment Advisor by the State of California. She also holds an Accredited FiduciaryTM designation from the Center for Fiduciary Studies, associated with the University of Pittsburgh, Joseph M.Katz Graduate School of Business. Carolyn has a B.A. from North Carolina Central University and an M.A. from St. John's University.
In a field that is often considered cool and distant, her exceptional warmth and attitude of compassionate service, coupled with a low-key approach, humor and a strong intuitive sense, add a welcome human dimension to her relationships with her clients.
Carolyn Tomlinson
Educator, Advisor, Advocate
Registered Investment Advisor
Accredited Investment FiduciaryTM
