Our Services

We help people find their way through the complex financial landscape. We work with people who want help in their personal financial lives: people who do not understand their finances and investments, people who do not have time to spend on their financial problems, and people who just do not want to be bothered.

Here are some of the types of people we help:

• Widows and Widowers
• Retirees
• Divorcees
• Busy Executives and Professionals
• Personal Trusts

We take time to find out as much as possible about you and your financial situation so that we can help you make the best possible decisions. We investigate your retirement plans, estate planning, insurance, long-term care needs, charitable intentions, and college funding. Then we take care of the details by helping you handle your investments and streamline your financial situation. We make it as easy as possible for you, relieving your worries and anxiety.

We work with you to determine your investment goals. We develop an investment plan using asset allocation to accomplish those goals. We implement your plan using no load mutual funds. This investment approach has the following advantages:

• Maximum Diversification
• Low Portfolio Turnover
• Reduced Volatility
• Low Expenses
• Increased Investment Returns

Charles Schwab & Co. holds your assets as custodian. It does not charge custodial fees. You receive Schwab statements monthly.

We monitor your account and make changes in your investments when necessary. Each quarter we report to you on your account's performance. We meet with you periodically to discuss your investments and your financial situation.

If you wish, we arrange to disburse income or principal from your account to you on a regular basis.

We keep all the required records on your account and give you the information you need on your investments for your tax returns.

What we do

1. Help you organize your investment assets.
2. Help you develop an investment plan which fits you, your income needs, risk tolerance, time horizon and tax situation.
3. Select specific investments to implement your investment plan.
4. Purchase the investments called for in your plan.
5. Monitor the investments in your portfolio and the mix of those investments.
6. Sell specific investments when their performance warrants and purchase other investments to replace them.
7. Make changes in the allocation of your investments between different asset classes when the markets indicate they are appropriate.
8. Review your account three times a year and at other times when we think it appropriate.
9. Arrange distributions from your account when you need them or want them.
10. Calculate required distributions from your IRAs and other tax-exempt retirement plans and help you arrange for those distributions.
11. Suggest changes in your investments in employee benefit plans and other investments not in your accounts.
12. Maintain complete records of your investments.
13. Calculate the basis of any securities that we sell for you.
14. Prepare the information on your investments required for your income tax return at the end of each year.
15. Meet with you periodically to review your financial situation and your investments.
16. Answer any questions you have from time to time with regard to your investments and your finances.

If you have any questions please call us or email to invest@sbvfinancial.com