von Borstel & Associates, Inc.

Products And Services

• Investment Planning

  The Vision to Wealth Process™ Values, vision, and a plan on paper are important, but like a road map, you must travel to your destinations, in order to reap the value of planning. We are here to help you take action, to experience the journey. So how do we take action with your investments? 1. The investment plan, a subset of your overall Financial Plan, is constructed based upon many factors such as: your time horizon, your risk tolerance, and your goals. 2. Regardless of which type of portfolio you choose, one of our main objectives is to minimize the volatility of your portfolio. Returns that feel like a roller-coaster ride are not fun and are not good for your portfolio. To reduce volatility, two powerful tools must be scientifically applied to your portfolio: diversification and correlation. We incorporate Nobel Prize winning diversification research and scientifically designed investment models. 3. Within our clients’ portfolios we use 10 to 14 unique asset classes, blending Style-Based and Strategy-Based portfolios, managed on active and passive platforms. Each one is unique and tailored to meet the suitability of each individual client. Style-Based portfolios include large and small cap categories as well as value and growth categories, to name a few. Strategy-Based portfolios include investments designed to be Non-Equities-Correlated, Trend Following, Hedged, and Tax-Reducing. 4. Since we are independent, we offer you a huge range of investment choices based upon merit, not based on in-house pressure to sell. Our goal is to build and maintain portfolios that yield the greatest level of expected return for a given level of risk. We are able to design portfolios with a simple yet robust structure, or we can model portfolios similar to multibillion dollar institutional investors. Each platform has its own unique risk/return expectations. The institutional model is more complex; however, there isn’t much cost difference. The choice is up to each client and their level of comfort. We are proud to offer these unique scientifically designed institutional investment tools to which most retail investors don’t have access. We are among a small group of advisors who are capable of applying this level of expertise to client portfolios. Here is our unique eight-step wealth management process that encompasses both financial planning and investment management: 1. Guided Discovery: In a one-on-one meeting we will conduct a guided fact gathering, explore your financial priorities, and listen to your goals and concerns. 2. Input & Analysis: We will perform the heavy lifting of bringing together the various pieces of your financial life, analyze them for gaps, and then formulate your complete plan. 3. Define & Design: Clarify your values and goals – Together we focus in on discovering your values and goals, ensuring that they are the driving force of your financial plan. 4. Develop Your Personal Success Strategy: We carefully craft a plan that is unique to you, covering many aspects of planning such as: retirement, estate, investment, insurance, tax, education planning, even special projects 5. Implement Your Personal Success Strategy: We come together to make final strategy decisions, implement insurance solutions and execute investment strategies. 6. Integrate Estate & Succession Planning: We join you in meeting with an attorney to draft estate and legal documents, as well as to define legacy or entity issues. 7. Summarize & Confirm Your Newly Deployed Plan: This meeting will confirm all new accounts and investments, and will clarify strategy details. 8. Monitor, Modify & Motivate: We will oversee your plan on a continual basis, monitoring your investments for needed adjustments and changes. Importantly, this is the phase where we stay in touch with you frequently keeping abreast of changes in your life that may necessitate changes in your plan. Investment advisory services offered through von Borstel & Associates, Inc., an SEC Registered Investment Advisor.

  Link: Investment Planning

• Intentional Purposeful Giving™

  Charitable giving doesn’t happen overnight. As your wealth grows, so does your opportunity to give. If you are looking to find more purpose, peace, and happiness, we can help you get there through charitable giving. There are over one million public charities in the U.S. Most, if not all, want to facilitate positive change in the world. So what’s stopping us? Action. Finding a place to give isn’t the dilemma, however, making it happen is. Our process to help you facilitate this positive change in your life and in the lives of other is simple. It starts with your intention. We help you determine whether or not you have excess wealth. We help you identify the amount to give. We collaborate with estate planning attorneys, philanthropy advisors, and other professionals to help align your intention with your purpose. We ensure all your legal documents and financial plans accurately reflect your intention to give. Charitable giving is not as complicated as you may believe. Let us help you turn your intention into the positive change the world needs. Investment advisory services offered through von Borstel & Associates, Inc., an SEC Registered Investment Advisor.

  Video: Intentional Purposeful Giving™

  Link: Intentional Purposeful Giving™

• Financial Planning

  In the world of wealth management, financial planning is a distinct and different service apart from investment management. As an independent, full service financial planning firm von Borstel & Associates offers financial planning services apart from investment management. If you are looking for independent advice, free from the needs, biases, sales quotas and marketing influences of another company we can help. We do not have conflicts of interest and can provide you with comprehensive financial planning advice for an annual project fee. In designing your financial plan we bring to bear three powerful forces to work toward your success: 1. Our in-house team of experienced professionals who work one on one with you throughout the entire process; 2. Our robust technology which allows us to analyze, consolidate, organize, design, and track your plan as well as providing an encrypted “vault” that can store copies of your important documents, such as trusts and wills, easily allowing you to share them with other professionals; 3. Our network of outside expert professionals, such as attorneys and accountants, with whom we will join you in meeting for the purpose of implementing each part of your plan. Each financial plan we develop is as unique as your own thumbprint. Fee-Only Financial Planning involves many elements and our professional opinion may include recommendations for the following: Retirement Planning: We’ll plan for the retirement of your dreams, whether that means golfing full time, traveling, continuing with work or starting a new vocation, performing charity work, or some combination entirely of your own creation. Education Planning: For you, your children, grandchildren or anyone else you wish to assist. Estate Planning: You’ll be well equipped for meeting with an attorney, ensuring that your estate plan works in concert with your overall financial plan. In addition, we will accompany you on your meetings to help facilitate the various thought processes and smooth implementation. Tax Planning: We will help prepare you and accompany you on strategy meetings with your CPA so that this important aspect of your comprehensive financial plan is properly integrated. Insurance Planning: We will review, analyze, and make recommendations on various aspects of insurance including life, health, long-term-care, and disability to ensure that you have just the appropriate amount of insurance. Business Planning: We will help you with your business as it integrates with all the other moving parts of your financial life, including estate planning and succession planning. And we will work in concert with other professionals such as attorneys and accountants, again, to provide continuity of your overall financial plan. Special Project Planning: We’ll help you plan for other special goals such as buying a new or second home, purchasing a boat, or planning for a special event such as a wedding. Investment advisory services offered through von Borstel & Associates, Inc., an SEC Registered Investment Advisor.

  Link: Financial Planning

• Retirement Planning

  Planning for retirement can be a complex project, even for wealthy individuals and couples who have accumulated substantial assets for retirement. There are numerous and complex questions to answer that we, as qualified retirement planners, can help you answer. If you’ve been asking yourself the questions below, it’s time to meet with a professional retirement planner. Have we thought about everything? Are we really ready for retirement? How do we maximize our social security benefits? How do I put my assets to work so they provide us with consistent and lasting retirement income? How do I continue to preserve and grow my wealth while taking distributions? What will I do in retirement? What is my “Purpose” in retirement? How do I ensure there is enough remaining to leave a lasting legacy? What will happen to our retirement plans if markets become too volatile and other unforeseen events occur? How do I transfer my wealth to the ones who matter most in the most tax efficient manner possible? Seeking financial advice for the retirement years is a smart way to help ensure you are able to answer these questions and can continue to enjoy a comfortable way of life that also allows for generosity to others. We’ll work with you during the retirement planning process to help ensure that your values and vision align with the decisions you are making to help reach your financial goals. We’ve been advising professionals and wealthy families since 1985, offering financial advice on how to arrange assets in a way that puts them on a path towards living better now and in the retirement years. Our work has earned us numerous honors and awards over the years. However, our best reward is helping our clients achieve the ability to do more good in the world, and have more enjoyment from their assets, as a result of our investment advising and retirement planning services. Call us today at (503) 257-6969 to discuss your financial goals for retirement! Investment advisory services offered through von Borstel & Associates, Inc., an SEC Registered Investment Advisor.

  Link: Retirement Planning