Total Financial Advisory
Leading Investors Since 1924℠
An investment strategy is not a stack of folders, graphs, printouts or media reports. We know time is a valuable resource and life does not have a rewind button. So to that end, we look at your entire financial picture: debt, savings, CDs, Trusts, 401(k), SEPs, Keough, Medical Savings Accounts, you name it. Why? Because a complete financial picture is but one of many details that helps us develop an investment strategy based on your real goals and needs.
Just as important, the Total Financial Advisory [TFA] can help establish a frame work for reasonable expectations about market performance over the long term.
Comprehensive by design
The St. Germain discipline needs to capture and encompass relevant financial details. The TFA is part of our approach and included in our management fee --- remember, we don’t sell products or receive commissions. We feel you get the best of our expertise from the entire St. Germain staff. It makes good sense to offer solutions which represent best-practices and critical thinking.
As we noted, time is a valuable resource and we bring to the table not just experts in planning and investing, but professionals with experience. Their tenure in wealth management adds perspective and value to your strategy. We are also ready to work with other professionals, when feasible, if it helps in achieving your objectives.
- Fixed Income
- Mutual Funds
- Alternative Investments
- Retirement Planning
You Have Options
Our modern age has created more investment opportunities than ever before. We know you can select from a myriad of options, but how sure are you about the ones you choose? We can help. Our conservative yet modern approach to financial management might be the right fit for you. We can be one of your options. Contact us and learn why.
Our industry has seen a lot of advertising about sophisticated investing tools that you can use. Some of those tools may be helpful, we don’t know for sure. What we do know is that investing fundamentals matter. Economic and market forces do not bend to newly found formulas, software, fads or complicated instruments. Contact us and see how we filter out distractions to manage your investments. We can help you see the details which matter.
Uncertainty is a given at anytime in the global marketplace. What we hope to do for you is to reduce that uncertainty by using a disciplined, conservative approach to investing and financial management. No high-risk instruments, no complicated funds that serve emotions more than practical needs. Contact us and learn how we’ve helped investors for over 88 years. What’s even more certain is that when you call us during normal business hours, someone will answer the phone, not a computer system!