In today’s technology-driven environment, investors have more options than ever before when it comes to managing their money. However, we strongly believe that as a successful individual juggling a career, family, and often running a business, time is your most precious asset and could be better spent on the other areas of your life that bring you joy, happiness, and fulfillment. While everyone is unique in their personal wealth goals and interests, the complexities of managing a significant amount of wealth ($2 million+) can quickly become overwhelming and even a burden if you are trying to handle it independently without professional help.

When working with a team of experts like the advisors at Pacific Portfolio, you get that precious time back, along with an unbiased, objective point of view around your investment strategy and a disciplined process to keep you on track for meeting your goals. Many of our clients do not have the time or energy to research trends in the market, determine which stocks they should be investing in, or create and monitor a plan that will help them reach their financial intentions. That is where we come in. By handling all aspects of your personal and professional finances, your time is optimized and focused on enhancing your life while we enhance your wealth.

Diversifying your investments in many different types of assets is usually a good idea, but not all investment opportunities are created equal. Each has its own set of costs, tax implications, risks, and return prospects. Finding the right mix of investments is what’s most important. Keep in mind that what’s right for others may not be right for you, as each investor has their own goals and risk preferences.

When deciding how much to invest in what types of assets, it is important to consider the following:

Using our proprietary FOCUS-5: CARPE™ investment methodology, the advisors and investment specialist at Pacific Portfolio can help you evaluate new opportunities, potential red flags, methods for tracking your investments, and ensure your overall portfolio is tailored to your individual goals, objectives, and comfort level.

While some risk is caused by unavoidable events as inflation rates, exchange rates, political instability, or interest rates, investors can help mitigate risk in their portfolios by investing in various assets so they will not all be affected the same way by events in the market.

When it comes to managing wealth and investing, we believe that having a mindset focused on long-term success is the right approach coupled with a strategy that prevents having “all of your eggs in one basket.” As professional advisors, we ensure that our clients understand the importance and value of diversification.

In a perfect world, all of your investments would consistently soar, but there will be periods where that is not the case, and some assets may experience periods of decline in value due to market events. During times like that, you need other investments to offset those market downturns. Diversifying your portfolio helps ensure that you will not be creating an unwanted risk while ensuring that your money is not too heavily dependent on the performance of a single holding.

The investment professionals at Pacific Portfolio develop optimal asset allocation strategies that match investor objectives and risk tolerances. Our asset allocation analysis helps create portfolios that are:

While each family’s situation is unique, the short answer is often "No" to both questions. Naming someone already known to your beneficiaries, and whom you trust, doesn’t mean they are the appropriate party to name as your fiduciary. Do they have the expertise and time to manage your trust? Can they remain impartial if they too are named beneficiaries?

At Pacific Portfolio we have specialists in all of the fields necessary to properly manage trusts, and the desire to serve your interests over multiple generations. We are locally owned and managed, so we can develop close relationships with you and your beneficiaries. Our fees are inclusive, meaning they cover the costs of investment advice, custody, accounting, and fiduciary services, which is more efficient and cost-effective than contracting for each separately.

Aside from costs, we believe that our investment expertise would be hard for any private Trustee to match. The “opportunity cost” of an inefficient trust investment portfolio could have a huge impact on whether or not your trust lives up to your expectations. We can structure a portfolio that balances risk and return and matches the objectives set out for your trust. Properly managed, your portfolio should cover all of your expenses, while maximizing long-term results.

I'd like to take some time off work to travel or pursue other types of employment. Can I afford this?

We strongly believe in the phrase “no amount of money ever bought a second of time.” We operate with the mentality that wealth should be used as a means to enhance the time you have rather than simply something that should be increased for the sake of more. Our priority is to help you find ways to use your money to increase your Value of Time® so you have the freedom and confidence to realize your bucket list goals.

For some, taking time off from work to travel or pursue other endeavors is an important achievement. For others, the ability to work in a different capacity or career, such as start a new business, work flexible hours, or even switch industries, would be a major milestone. With a thoughtful plan and the right investment strategies behind it, this ambition can become a reality. Our team partners with people to clearly outline a picture as to what a career pause or change would look like financially and determine what is realistic and what isn’t.

We take your entire current and possible future financial situation into account to create a comprehensive roadmap that will help you make this decision with confidence. We address variables such as your investment returns, income, spending habits, savings, taxes, and more to determine if you are realistically able to fund this endeavor and what opportunities or roadblocks are present.

Would a turnkey solution be a more cost effective approach to managing my employee retirement benefits?

While every business has its own unique situation and budget when it comes to employee benefits, we believe that providing a competitive retirement plan and adequate resources to those who work for you is a necessary part of being an employer.

By combining 30 years worth of institutional experience and expertise, a completely customized service model, and the structure of a fiduciary that handles all risk and responsibility, our Institutional Advisory Business provides a much more valuable offering than a turnkey program or solely a recordkeeper, all under one transparent fee.

By using our deep institutional expertise and hands-on approach, we help ease the complications and complexities that come with running an employee benefits program so you can use your time to grow and manage your business.

Our relationship is a comprehensive partnership that includes:

• Expertise & Quality: Since all of our investment analysis, research, and reports are performed internally by our team of professionals, we can speak intimately to our product’s high quality, its conclusions and immediate relevance to achieving each client’s objectives.
  
• Experience: Retirement plan services not only comprise the majority (70%) of our advisory practice, but we also have almost 30 years of experience serving retirement plan clients in various industries. Such wealth of expertise provides our clients with an advisor that understands and can confidently assist them in their fiduciary duties.
  
• Focus: Distinct from some financial advisors and brokers serving Institutional clients, we have always been strictly consultants and investment advisers.
  
• Objectivity: Combined with our independence and fee-only compensation, the advisory-only distinction is significant to the objectivity of our services. Our services and advice are not compromised by potential conflicts-of-interest such as broker-dealer relationships, other affiliated businesses, or various modes of compensation and revenue-sharing.
  
• Principled: Just as our investment advisory services have remained our sole business and focus since our founding in 1992, so has our fee-only mode of compensation. This unwavering ethical commitment reflects our dedication to and respect for the high standards of confidence, responsibility, and objectivity that we are entrusted with.
  
• Accountability: We have always served as co-fiduciaries to our clients and therefore, participate directly in their investment duties and liabilities.