How We Do It
At Rede, we don’t believe in account minimums and have actively eliminated them at our firm. Account Minimums intimidate; they don’t inspire. We don’t want barriers (of any kind) between us and our current or future clients.
STEP 1: ASSESSMENT
At Rede, we start by getting to know you. We’ll ask about your current situation and what goals you may have, literal and aspirational. Do you want liquidity for near-term purchases like a home? Do you plan to fund a child’s education or retire at a certain age? When you imagine the future, what matters most?
In addition to specific investment goals, you need to establish a time horizon for every objective. Consider where you are now, financially, and where you want to be in 5, 10, or 20 years.
After establishing your goals and needs, consider your risk tolerance. Long-term investors can be less concerned about short-term market fluctuations because they have more time to recover from losses. In contrast, individuals with a short time horizon have different considerations.
If you are unclear on your goals or risk tolerance, we can help you assess and evaluate your current financial circumstances and establish an investment strategy.
STEP 2: ALLOCATION
Though many of us were taught to save, very few were taught to invest. That is why we see so many people tucking money into various vehicles, like IRAs, 401(k)s, and college funds, and falsely assuming it will create enough wealth to last a lifetime.
We cannot ensure a profit and/or guarantee protection against loss, but we can build your confidence and a consistent portfolio investment process to position your wealth for growth.
We will guide you to weigh your desire for higher returns against your tolerance for market setbacks. Together, we will develop a balance sheet, which outlines your current income, expenditures, and the value of your assets and liabilities. Then we create a diverse financial portfolio with a target Asset Allocation that meets your investment discipline with an estimate of total returns.
STEP 3: DISCIPLINE
Next, we define the daily activities your investment portfolio most likely needs to position them for positive results over time. These recommendations (which we call your “discipline”) are based on your unique goals, needs, risk tolerance, and other personal considerations.
Once you review our financial suggestions, you tell us whether you are comfortable owning a particular type of investment, want more liquidity, or aren’t willing to accept the risk required to meet your goals. We will work with you to revise as necessary.
We encourage you to talk to us, reviewing or revising your plan as many times as necessary for you to feel comfortable. We want you to be pleased with your investment discipline, even in fluctuating markets, so we won’t move forward until you are satisfied.
STEP 4: TRACK & MONITOR
Creating your Investment Process once does not guarantee that you will realize your goals. You might get married, divorced, or receive an inheritance. Markets change, too, which is why we include regular portfolio reviews and updates into your Investment Process.
We are your wealth management partners for life, not in-the-moment advisors. Our fee-only structure helps us maintain objectivity and provide high-quality advice while minimizing potential conflicts of interest.