We make plans, not predictions.™

Northcoast Wealth Management

31731 Northwestern Hwy, Suite 151W

Farmington Hills, MI  48334

Tel.  (248) 626-2000

Fax. (248) 626-2003

info@northcoastwm.com

NorthcoastWM.com

Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC. Northcoast Wealth Management is not an affiliate company of LPL Financial.

Consider
what you earn, what you risk and what you save –
is your bottom line where it should be?

Before you see any gains from your investments, there are questions of timing, liquidity and tax that can compromise what initially looks like good performance.

It’s our belief that gross returns are just part of the equation – good performance is about meeting individual needs, and for this reason it means something different for everyone. It depends on your personal benchmarks and how your investments figure into your broader wealth plans.

To us, good performance is a portfolio that helps you reach your goals without taking unnecessary risk. That’s why we take a three-tiered approach that aligns growth, preservation and distribution into an all-encompassing strategic plan. Our focus is to pursue strong net performance that makes a positive impact not only on your bottom line, but on your entire financial picture.

“In practical terms, the number at the bottom of your quarterly statements isn’t really your bottom line. How risk is being managed, the accumulation of wealth, and the ways in which your portfolio supports your various goals – those are the results we’re most concerned about, because they have much greater relevance for your life.”

David Fernquist, CFP®

Wealth Advisor, Partner

No speculation, more planning, better clarity.

“Our core advisory team consists of a CFA® charterholder, a CFP® professional and a Certified Public Accountant (CPA), all with decades of experience in the financial industry. This rare combination of investment, wealth strategy and tax planning expertise is the foundation of our approach to pursuing our clients’ performance goals.”

Mark Lebovitz CFA®

Wealth Advisor, Partner

Each individual has a different definition of good performance, but it’s always a combination of growth, preservation and distribution. We pinpoint the balance you’ll need to keep you on track to your retirement and other objectives, and we design your portfolio and wealth strategies to fit that balance as closely as possible.

An important component of this approach is our investment process, which seeks to limit the impact of downside risk, while capturing growth during market upswings. It’s not about shooting for the highest potential short-term returns at all cost, but rather enabling you to participate in the markets in a way that supports your individual performance goals.

Our service offering includes:

+  All-weather portfolios designed through a comprehensive and personalized investment process

+  Integrated wealth preservation strategies to help pursue growth without undue risk

+  Strategic plans and detailed financial planning that addresses a full spectrum of financial needs

+  Products and strategies that seek to maximize
tax efficiency

+  Advanced risk tools to help define your personal risk parameters and invest within them

Our Process

Our process is about defining what good performance means for you, and implementing the strategies that seek to achieve that performance. This begins with understanding the more intangible aspects of what matters to you and translating them into clear-cut objectives for growth, preservation and distribution that we actively manage as a team.

STEP 1

Setting Performance Goals

We take a conversational approach to learn about your personal priorities, career, family, life events and your thoughts and expectations regarding wealth advice. This allows us to create a picture of what good performance will consist of for you.

STEP 2

Strategic Plan

Beginning with a broad strategic plan for your wealth, we help bring clarity to major priorities like when you can retire and how much you can spend. This plan forms the basis of all our recommendations going forward, and provides context for the performance goals we’ve set.

STEP 3

Advanced Risk Analysis

We use a comprehensive risk assessment tool* to help match your tolerance for risk with the appropriate investment strategies. Because this tool is based on a mathematical process, we’re able to conform your portfolio to your risk and growth parameters with a high degree of accuracy.

STEP 4

Wealth Efficiency Review

The last major factor in meeting your performance goals is efficiency. We assess the tax implications of your investment strategy and strategic plan in order to identify potential opportunities to improve efficiency. We perform reassessments each time your portfolio is rebalanced or your plans are updated.

STEP 5

Implementation and
Performance Monitoring

Once we present our recommendations, we initiate an active plan and portfolio management process. We monitor your overall performance, working towards your growth, preservation and distribution goals, so that you can stay on track to personal priorities like retirement.

STEP 6

Clarity and Communication

While your plan and portfolio are active, we provide consistent updates and communication. As needed, we introduce additional strategies such as detailed financial plans or consultations with third-party professionals.

*IMPORTANT: The projections or other information generated by Riskalyze regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. Your Risk Number provided is on a scale of 1 to 99, with higher numbers indicating higher risk tolerance. Scenarios illustrated are hypothetical and not representative of any specific investment or investor. Individual results will vary. Investing is subject to risk which may involve loss of principal. No strategy assures success or protects against loss.

Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction costs and does not assure a profit or protect against a loss.