The Integrated Wealth Management Approach

Jon is founder and president of JPH Advisory Group, Inc. – an independent advisory firm providing integrated wealth management.

Imagine your comfort in knowing you have an effective written plan to follow so that no matter what happens in the market or the world economy, you feel confident about reaching your financial goals.

Isn't it critical to provide your family that kind of reassurance?

"Integrated wealth management" may sound like an abstract phrase, but the process is proven and practical.

____________________________________________________________________________________________________________________

The Four Elements of Wealth Management

1) Investment Design and Planning Process

Design – We work with each client to create a personal Investment Policy Statement. This written document establishes clear and definable expectations, risk and return objectives, and guidelines for future investment.

Implementation – Once the Investment Policy Statement is developed and agreed upon, we implement it using "best of class" money managers.

Reporting – We then provide comprehensive quarterly performance reports and detailed tax information which summarize each client's portfolio activity and results. We then compare it to the Investment Policy Statement. We make periodic adjustments to rebalance the portfolio, ensuring that strategies stay on track with the client's goals.

2) Risk Management

We do not sell insurance, nor accept fees for insurance referrals; but we do provide expert advice about using insurance to preserve and protect your assets and income.

3) Wills and Estate Planning

We advise you in matters of title and succession, family trusts, living wills and powers of attorney, while employing wealth transfer strategies to reach your personal goals.

4) Tax and Debt Strategies

We understand it's not how much you make -- it's what you get to keep.  With that in mind, we focus a tremendous amount of energy in understanding that every financial decision we make on your behalf has a tax impact.  Of course, the goal is always to pay no taxes.  In reality, we work to make sure our clients pay the least amount of taxes legally possible.  We manage your debt in the most tax-efficient manner, and at the best rates possible. From questions about obtaining or managing a mortgage to establishing or using lines of credit, we provide objective advice about all financial matters.

A Process to Help You Meet Your Goals

Careers, reputations and fortunes are never built randomly. Yet most people invest randomly, with no personal CFO to keep them on track toward their financial goals.

  You have a powerful alternative.

 You can choose integrated wealth management –
and simplify and manage your financial life.

 You can hire a personal CFO – Jon Houk.