MAVY INVESTMENT STRATEGIES
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OUR SERVICES |
Whatever you need, our first step is a free initial consultation to see if there is a good fit between what you need and the services we offer. Here is a short list of some of our services: (530)830-2170
Sometimes it’s important to step back and imagine what is next. A career after retirement? A second home on the beach? Perhaps ensuring your children’s or grandchildren’s access to an excellent education? When we get to know you, your goals, and your worries, we can help you define what you need to do for your future. Are you confident about how your financial situation measures up? Want to know more about your financial condition? Are there unforeseen risks or gaps in your financial position? An engagement with Mavy Investments can begin with a complete assessment of a client’s financial situation. Whether you want to understand your finances more acutely, or simply hope for validation of what you are already doing, we can examine your situation in detail to measure your situation against your expectations. When done properly, a financial plan will promote clarity and provide a roadmap for every aspect of your financial life. A comprehensive plan will cover all elements of a client’s current and future financial situation. Investments, cash management, college planning, retirement planning, risk management, business planning, and estate planning are each considered in a financial plan. It is imperative that your personal goals and desires be reflected in your plan; to achieve this we must understand who you are and what your outlook is on life. The outcome of this process produces a kind of financial roadmap of recommendations. We can implement some of these recommendations for you, or you can do it yourself. Whatever you choose, we recommend an annual review at least of your situation, during which we can consider changes in your financial world. One-time financial plans are offered by our firm, however clients that retain us for this service will acknowledge that the plan is one phase in what should be an ongoing process. If you plan on retiring one day you have probably asked yourself some basic questions: When will I be able to retire? Can I retire early? Will we have enough? How much do I need to sustain my lifestyle? Once I retire, how should I maintain my income? Will I outlive my income? If I don’t have enough, what can I do? You have many more possibilities for retirement today than at any other time in history. Answering the questions above is what we do. We may require a financial planning appointment, then we can offer guidance on you unique situation. We will at least educate you as to what questions to ask. One benefit of an indecisive and/or moody congress is a variety of options for tax-favored education saving. Unfortunately, each of these options often has complex tax and retirement implications. If you are serious about saving for somebody’s education, we can make recommendations and review the options suitable to your unique situation. Thanks to recent Congressional reforms, you can now substantially lower your estate tax liability by establishing an estate plan that complies with and takes full advantage of these new laws. Keep in mind that estate planning is not just about taxes; it’s also about providing for your comfort during your lifetime, efficiently transferring assets to beneficiaries and achieving family objectives. A well-designed estate plan can help ensure that you and your loved ones will be able to enjoy the security of your life’s work. If you should become incapacitated or die, a comprehensive estate plan will automatically and efficiently address important issues of concern, including: ● Preserving assets from taxes If you have been putting off getting your estate in order because it seems like an overwhelming task, or believe it is cost prohibitive, you should know that planning to leave your assets in an orderly fashion is often easier than you think. Now is the time to create a comprehensive estate plan to make sure you’re preserving your hard-earned assets and providing for your loved ones and favorite charities. One of the most important services a financial adviser can provide is Wealth Distribution. It can be difficult to gauge how high a standard of living is sustainable through retirement; a balance must be found between preserving a client’s asset base while drawing enough income to provide a defined lifestyle. Mavy Investments can craft a plan that will closely match your desires to your financial abilities. The million dollar question in managing Wealth Distribution is: will you outlive your assets, or will your assets outlive you? We have an academic approach of using financial principles to assess the risk exposure of your income and assets. WE DO NOT SELL INSURANCE. Many of our clients find relief in our ability to objectively offer insurance advice, without the conflict of charging a commission when a policy is sold. There is no reason to pay for insurance you do not need! the questions that we help our clients answer are: what insurance is needed? And, how much do we need?
We've all heard the sales pitch for mutual fund A, or annuity B. In such instances one always must consider whose interest is being served. Mavy Investments takes a different approach. We offer objective investment advice based on many factors, not one of which include the size of a commission. No one at Mavy Investments is permitted to accept a commission for their services. At our firm we follow a strict set of standards that ensure the interest of our clients always comes before our own. Many people do not have the time, interest, experience, or knowledge to dedicate to managing their wealth. Some people only need to know that their assets are being managed by an educated, objective advisor. Mavy Investments will manage your assets based on what your goals are and what your risk tolerance is, while looking out for your best interests continually. Mavy Investments professionals keep a check on your assets and on the pulse of the economy. When changes are needed, they are made according to your preferences. These changes are always transparent to you, the investor. Investment Analysis / Portfolio Allocation There are many reasons to review your existing investment portfolio. Are you troubled by poor performance, do you have too much risk, should you change your allocations. How do you answer the question: are you on the right track? Whatever your position, you will receive objective, candid analysis. We will consider your age, goals, conditions of the market, and your unique circumstances before recommending any rebalancing of your current investments. We prefer to manage investments as part of our service, however we will advise clients on accounts not managed by Mavy Investments when necessary. If you are not currently taking advantage of one of the many opportunities for tax-favored investing, forgive us for our inclination to shake you. Whether you are a part-time employee, self-employed, or a highly paid government employee, congress has provided numerous avenues for putting money aside for retirement in tax favored accounts. You may want to know if you're putting away all you’re allowed in your current plan; or maybe you qualify for a more flexible account type for your business. Mavy Investments will take a pro-active role in ensuring you take full advantage of the opportunities afforded to you under the Internal Revenue Code. Mavy Investments is able to serve clients with 401ks, 403bs, 457s, IRAs (SEP, Traditional, and Roth) and most other qualified retirement accounts. One of the most powerful retirement savings methods available to you is regular contributions to a traditional IRA, ROTH IRA or both. Even if you contribute to an employer sponsored plan, you may qualify for the preferential tax treatment afforded by an IRA. For tax-years 2008 and 2009 the contribution limit is $5,000 (you may qualify for an additional catch-up contribution, contact us for more info). Remember, you have until the tax-filing deadline to make your annual contribution to your IRA. If you work for an organization, whether a private enterprise, a government or agency of government, or a non-profit, you may be able to participate in a retirement plan sponsored by your employer. Mavy Investments can help you learn the right questions to ask your employer to determine what your best options are, even whether a 401k rollover is right for you. Employers: Mavy Investments can help you set up a plan for your business. If you already have a plan in place we can help you determine what your alternatives are for keeping costs low, and providing the best investment opportunities to the plan participants (you and your employees). In 1962, Congress allowed the self-employed to set up Keogh plans. A Keogh (aka H.R. 10) is a qualified plan for sole-proprietors or partners. Keoghs can be profit sharing or money purchase plans. If you still have a Keogh, Mavy Investments can aid you in determining what your next step should be. Many of us are unable to position all of our retirement savings in tax-qualified accounts. This can create a headache at tax time when pages of tax forms begin arriving in the mail. You should not make investment decisions based on tax-consequences alone, but you should consider the effects of taxes before repositioning your accounts. Dividend income, interest income, appreciation, accretion, short-term capital gains, and long-term capital gains should all be considered when considering an investment strategy. Scared of the Stock Market? Not satisfied with the returns of Bonds? It is important that your financial consultant understand your preferences and opinions prior to making or acting on recommendations for your portfolio. Whether you are a growth oriented investor, or are at a stage in your life where you are content with a conservative income stream, Mavy Investments will patiently guide you through the process of mapping out an investment strategy. Mavy Investments applies a unique strategy to managing portfolios that involves choosing from thousands of investment choices. We constantly have two fingers on the pulse of the economy, and implement changes when the need is indicated. Our strategy sometimes includes using the best money managers in the world to maximize the returns of our clients. Mutual funds can be an effective tool for taking advantage of specific areas of the market while maintaining diversification.
If you are a small business owner, or are involved in human resources you are familiar with the benefits that can come from retirement plans and other benefits for business owners and their employees. After a thorough assessment of your situation, we will be able to suggest ways for you to reduce risk, reduce taxes, decrease employee turnover, save for retirement, and/or save on costs associated with employee benefits, cash management, and business succession. 401k Consulting (403b and 457) Perhaps you have retired or changed jobs and wonder if you should leave the account with your former employer, or roll it into an account with more flexibility and investment choices. Or maybe you simply would like a second opinion on the fund choices inside your company retirement account. When can I finally start taking distributions from my company plan without garnering the wrath of the Infernal Revenue Service? Can I borrow money from my account right now? Should I borrow money from my account? What can I do if there are no good investment choices within my 401k? Many employers are finding that they are paying too much for their company retirement plan, and getting little back. Many employers and employees are disappointed with the lack of good investment choices within the company retirement plan. Still more investors are frustrated with the lack of information available about each of the investment choices. Mavy Investments offers a unique approach that is competitively priced for employers, can offer over 1000 investment choices within a plan, and contains investments with readily available information and reports. SEP IRAs, SIMPLE IRAs, and Profit Sharing Plans Deciding on a retirement plan used to be easy. For most closely held businesses, a SEP IRA was the most cost-effective option. Then came the SIMPLE IRA and things become more complicated. Today a business owner may find that a defined benefit, 401(k) or profit sharing plan best suits his/her needs. If you’re establishing a new retirement plan, selecting the appropriate design is the first step in offering this important benefit. If you’re reviewing your existing plan, you should first determine whether the needs of the company and employees have changed since the current plan was implemented. Mavy Investments can give you a look at the various plans available for you to choose from. Because more than one plan may make sense for your business, it is important to understand the differences between the alternatives. Tired of a sales pitch when you're looking for objective advice regarding your exposure to risk? Mavy Investments applies academic and financial principles to your situation to gauge the hazards to your financial health. The state of California has an asinine law that requires anyone giving insurance advice to have a license to sell insurance products. To comply with this absurd law, Mavy Investments will not advise on insurance matters. We will however analyze risk exposure and explore solutions for limiting such risks. You will find NO SELLING of insurance products at Mavy Investments. What is your business worth? How is that determination made? The answers to these questions are anything but exact and straightforward; however, they are critically important when it is time to sell or transfer a business to another party. As a business owner, or key employee of a business, it is important to plan for the death, retirement, incapacity, divorce, or disability of an owner, owner-manager, partner, or controlling shareholder. The odds of misfortune may seem remote; however in the event any of the above should occur, it could be financially and organizationally devastating to a business and those reliant on the business. Mavy Investments can help you plan for the worst, to ensure your business and legacy does not perish with you. Brokerage Firms: Primerica: Years ago, early in my college years, I was repeatedly invited to a meeting of Primerica people. I was promised a job interview with a financial company and it sounded pretty good to a young college student. The Primerica folks kept saying they were affiliated with Smith Barney and Citigroup to give themselves credibility (not that being affiliated with the firms should help their credibility). I went to a meeting and left early in disgust. The theme was you can quit your day job/college and become rich with no education or experience, selling investment/insurance products and mortgages. Perhaps Primerica is a different company today than it was back then, I doubt it. My wife is routinely accosted at the grocery store by primerica people trying to sell her on college planning (she is usually towing 3 kids around). Some good investment advisors may get their start at Primerica if they can't afford an education or get a job with a reputable firm, but I have a low opinion of them. One of the gentlemen that approached my wife on three different occasions about college planning, not realizing she remembered him from the previous two encounters, gave her his card and told her to have me call him about a job. Curiosity getting the better of me, I called him to see what his angle was and it was typical Primerica. I still don't understand though why his business card said Primerica and had his cell phone number, but on the phone he said he worked for Smith Barney.
Bottom Line: You've worked hard to get to where you are. Your financial situation continues to grow in size and complexity, and each year brings a new stage of life. Managing your assets takes time, energy, and desire. Perhaps you need some constructive advice or a second opinion. Don't settle for less than a true professional. You deserve educated, unbiased, and trustworthy advice. Mavy Investment Strategies is a Fee-Only financial planning firm. We offer comprehensive financial planning and wealth management advice to individuals, families, and small businesses. It is our mission to help you care for and increase what you already have, while ensuring you will be taken care of in the future. Ben Mavy takes an approach you won't find at your brokerage company or oversized firm.
IMPORTANT CONSUMER DISCLOSURE: This website is for informational purposes only and does not constitute a complete description of Financial Planning or Investment Management services. Information throughout this site, whether stock quotes, charts, articles or any other statement or statements regarding market or other financial information, is obtained from sources which we, and our suppliers believe to be reliable, but we do not warrant or guarantee the timeliness or accuracy of this information. There are no warranties, express or implied, as to the accuracy, completeness, or results obtained from any information posted on this or any "linked" web site. We may transact business only in states in which we are legally registered, or in states that exclude or exempt us from registration. PASSWORD-PROTECTED AREAS: Some of the material, notably under CLient Access, is password-protected and access to these areas is restricted to authorized users only.
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What color are your brokers eyes? Over taxed?
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