WMS Financial- An Innovative Financial Philosophy

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Working in the competitive and ever turbulent financial industry in the modern age means having access to the most innovative strategies and philosophies for analysis is more important than ever. Understanding these fluctuating markets and how they may pan out in the future requires expertise and experience with professionals who use the most innovative strategies around. Here at WMS Financial Services Inc., we aim to use our approach to financial planning for our valued clients to help them secure more stable and predictable financial future.

Find out about our services, leadership and associates here at WMS Financial Planners, Inc and Financial Advice. For us here at WMS Financial, having a solid philosophy on which to work helps untie our associates and clients interests, and serve them in the best way we possibly can. Our investment management philosophy is predicated upon the theory that 90% of your investment success is derived from superior portfolio diversification. The foundation of our investment management approach is Modern Portfolio Theory (MPT). MPT is a Nobel Prize winning economic model created in 1990 by Harry Markowitz and William Sharpe. Our team here at WMS Financial uses MPT to determine the suitability of an individual asset within a client’s unique portfolio. We use this analytical approach to remove subjective guesswork from selecting the “right” investment and entry point. Our clients’ portfolios are structured according to their investment needs and risk tolerance.

Here at WMS Financial Planning Services Inc., we also understands that maximizing our value to our clients is hugely important. In that, we understand and focus on being the financial resource our clients need and desire. Our services go beyond simply measuring returns, as having a Financial Adviser means having a Financial Advocate to assist you with all of your financial decisions. We are proud that our assistance doesn’t stop when the market is closed.

WMS understands that helping secure finances for clients in these turbulent modern times requires more than the hunches of financial experts. It requires using systems, theories and tools that help us better analyze how to meet the needs of a client, and match them with solid investments that can help them meet their financial goals. If you;d like to find out more about the philosophy and vales of our financier planning services, then visit the link here at WMS Financial Planning and Our Associates.

WMS- Securing a More Positive Financial Situation

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At WMS Financial Planning, we appreciate that everyone has a unique financial situation for themselves to manage. No two individuals are alike in this sense, which is why our team of asset managers and financial experts are committed to helping create bespoke financial solutions to each of our valuable clients. In the complex age we live in of red tape, bureaucracy and taxes, it can be difficult to navigate a sustainable course through the financial system in the modern age. That’s why here at WMS we help our clients achieve their goals and targets for their financial situation and help them make the most out of  their wealth.

For us here at WMS Financial Planning: Making a Difference to one’s financial situation is the key vision we have for out clients. We understand that life is a journey and not all journey’s are the same. We tailor our services to meet the needs of each individual client. And focus on the following 5 areas of Financial Planning: Investment, Retirement, Tax, Risk and Estate Planning.

We hope to help our clients understand the opportunities and potential rewards that are available when one takes a proactive approach to their personal financial situation. Most importantly for us, we hope that our clients see the value of working with skilled professionals to pursue their financial goals and help make for a more sustainable and manageable financial future. We’re here to help educate people about the basic concepts of financial management; to help them learn more about who we are and what we do; and to give clients fast, easy access to market performance data. We hope our clients take advantage of this resource and visit us often, and can see the benefits of long-term financial planning.

Finally, we encourage people to contact us to start on their path to explore new options and get their financial house in order. WMS offers no cost and no obligation initial consultations in person or over the phone. For WMS, helping people see the potential benefits of employing such services is our aim, alongside helping people navigate a more healthy financial future for them and their family. If you’d like to find out more ab out how to get involved with our financial services an learn more about any of these types of financial planning as listed above, then visit our web page here William Madison Swayne – Images.

WMS Financial Planners Promotes The Third Option

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1.jpgWMS Financial Planners Inc. offer an exceptionally wide range of high-quality financial services. Perhaps foremost among these is Risk Management Planning, specifically concentrating on the thorny issue of insurance. As William M. Swayne III, Director of Investments, explains,” The first part of this process is understanding your insurance coverage and the insurance coverage that you need, as the two things don’t always align. Not having the proper insurance can put your financial life in a world of hurt, you never know when an emergency could strike and it is wise to be prepared for it.

“One thing we can help you evaluate is long-term care insurance plans, as people continue to live longer and longer and sometimes our bodies cannot keep up with our minds or vice versa, either way leading us to need care in an assisted living facility, which can be very pricey,” warns William M. Swayne III, before continuing, “As a family team providing financial planning, we believe there are three basic choices with all types of insurance. The first choice is to self-insure, meaning we think that we have assets that can cover any need that might arise. The next option is that you put the risk on an insurance company and pay all the required fees. The third option, the one that WMS Financial Planners promote, is that you share the risk as much as possible.

“WMS Financial can show you how this is possible through risk management planning. We work on keeping the insurance premiums low and use the needed coverage to cover the areas that are of the biggest risk to you and your finances,” outlines William M. Swayne III. “This option is the best of both worlds, as it is sort of a combination between self-insuring and paying insurance companies exorbitant fees. WMS Financial Planners make sure that you are receiving just the right amount of insurance and are successfully avoiding being over-insured and thus paying very high insurance prices, he promises.

WMS and financial services work to make sure that you are finding the proper balance in regards to your finances and are receiving the most benefits as possible. We will not just take over the management of your finances we will involve you in every step of the way, which will provide you with the proper knowledge and education in regards to how it all actually works and what things you can do in order to have the best finances possible,” concludes William M. Swayne III.

WMS Financial Planners Prides Itself On Tailoring Services

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1.jpgWMS Financial Planners Inc. is proud to be a part of the great American tradition of family-owned companies. We are a financial advisory company, and work extremely hard to provide you with the very highest standard of service currently available on the market. In order to ensure that our clients are fully aware of the posible risks entailed in planning financial investments, we offer our expertise and experience in virtually all areas of financial investments, particularly in the areas of Investment Planning, Retirement Planning, Tax Planning, Risk Management, and Estate Planning.

An overview of WMS Financial clearly reveals that the company prides itself on tailoring each of our services to address the individual needs of our clients. Our goal is to help you become fully aware of your financing options as well as helping you to achieve your financial goals. We also offer free consultations in person or over the phone to discuss exactly what you would like us to help you with. This consultation does not entail any obligation to us. We are simply here to advise you of your options.

One service WMS Financial Planners consider of paramount importance is providing our clients with extremely comprehensive investment strategies. This is without doubt thethe most essential and requested service we offer. With our expertize, we help you decide what exactly you should hope to realize from your portfolio. Do you intend to use your portfolio for growth, earning additional income, or for both? Once we have both decided on the best strategy, we will then advise you on how much risk to integrate into both your non-qualified and qualified portfolios.  Of course, this is only a very short description of the services WMS Financial Planners Inc. is able to provide in order for you to fully realize the potential of your investments. We consider it our duty to truly determine what it is you need, and only then develop a personalized portfolio. Only after we are absolutely certain what your requirements are do we advise you about the most suitable asset managers and those investments which they represent. Naturally, there are many types of investments that you can choose from. To name but a few, these include real estate, stocks, bonds, art, collectibles, antiques, precious metals, and mutual funds.

WMS Financial is a fee-based investment advisors and our options include: no-load mutual funds, individual stocks and exchange traded funds, institutional money managers, individual issues, alternative investments, and tax efficient accounts and insurance products that can provide income for both retirees and investors. Investment planning is one of the most important and difficult to navigate areas of finance.  Therefore, it is generally considered the area of finance that people need the most guidance with. Choosing the right investments on your own is fraught with problems and dangers. And that is precisely why we are here to assist you to make the most of your investments. WMS Financial Planners Inc. is shedding the light on your financial future – and we fervently believe that unity is very definitely strength.

WMS And Investment Planning

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WMS Financial Planning is proud to be a family-owned and managed financial advisory company.

We work extremely hard to provide you with the very highest standard of service currently available on the market. We do this by providing our expertise and experience in planning finances, particularly in the areas of Investment Planning, Retirement Planning, Tax Planning, Risk Management, and Estate Planning. We pride ourselves on tailoring each of our services to address the individual needs of our clients. Our goal is to help you become fully aware of your financing options as well as helping you to achieve your financial goals. We also offer free consultations in person or over the phone to discuss exactly what you would like us to help you with. This consultation does not entail any obligation to us. We are simply here to advise you of your options.

One service we are particularly pleased to provide for our clients is investment planning. This is the probably the most essential service we offer. With this service, we help you decide what you exactly you want from your portfolio. Do you intend to use your portfolio for growth, earning additional income, or for both? We will then advise you on how much risk to integrate into both your non-qualified and qualified portfolios.

Of course, this is only a very short description of the services we are able to provide in order for you to fully realize the potential of your investments. We consider it our duty to truly determine what it is you need, and only then develop a personalized portfolio. Only after we are absolutely certain what your requirements are do we advise you about the most suitable asset managers and those investments which they represent. Naturally, there are many types of investments that you can choose from. To name but a few, these include real estate, stocks, bonds, art, collectibles, antiques, precious metals, and mutual funds.

We are a fee-based investment advisors and our options include: no-load mutual funds, individual stocks and exchange traded funds, institutional money managers, individual issues, alternative investments, and tax efficient accounts and insurance products that can provide income for both retirees and investors.

Investment planning is one of the most important and difficult to navigate areas of finance.  Therefore, it is generally considered the area of finance that people need the most guidance with. Choosing the right investments on your own is fraught with problems and dangers. And that is precisely why we are here to assist you to make the most of your investments.

WMS Financial Planning – Bonds

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One service we provide for our clients here at WMS Financial Planning, is investment planning. This is the most basic and essential service we can offer you. With this service you have to decide what you want from you portfolio. Do you intend to use your portfolio for growth, income, or both? You then have to determine for how long, with how much risk, to integrate your non-qualified portfolio with your qualified one, and much more. This is only a very short list of things you need to consider in order to make successful investments. It is our job to truly determine what it is you want and need and then develop a personalized portfolio that incorporates these things. Only after we determine what your needs are do we choose the most ideal asset managers and investments that represent them. There are many types of investments that you can choose from such as; real estate, stocks, bonds, art, collectibles, antiques, precious metals, and mutual funds. We are fee-based investment advisors and our options include: no-load mutual funds, individual stocks and exchange traded funds, institutional money managers, individual issues, alternative investments, and tax efficient accounts and insurance products that can provide incomes for both retirees and investors.

If you are interested in your investing options one thing you should definitely consider are investing in bonds. The three basic types of bonds available are: U.S. Treasury, municipal, and corporate bonds. Usually Treasury Securities are the safest option as the government backs them. Another advantage is that they are excluded from state and local taxes, which ultimately means you are able to keep more of your money. Another type is municipal bonds, which are given out by the state and local governments with the goal of funding construction of: schools, infrastructure, housing, sewage systems, and many more things. These bonds can be exempt from federal income taxes but not always local and state taxes. Another kind of bond is corporate bonds, which are a type of bond that is given out by corporations in order to provide funding for business expansion or huge capital investment. These bonds are considered to be very risky, but on the other hand they can yield much more profit. Another type is a zero-coupon bond, which is a type of bond that is given at a large discount compared to its actual value but it does not pay any interest.

WMS Financial Planning – Managing Retirement Plans

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Our company, WMS Financial Planning, is family owned and operated and here to assist you with whatever you may need. Our retirement planning services are exceptional as we understand how important it is to be able to enjoy your retirement but you cannot do that if you are worried about the state of your finances after you retire. It is approximated that a person’s time in retirement takes up to 30% of their lives, which is a scary thought because what if you outlive your retirement fund? Then what? This is why it is not only important but absolutely essential for people to begin planning for their retirement in advance. The key part of retirement planning is understanding what you make now and what you will be receiving during your retirement. Once you understand the cash flow you need to create a plan that will maximize your money. We can then consider pre-tax savings opportunities and then move on to consider different investment opportunities. The key here is to plan as planning is a necessity.

If you are not near Seattle but are still looking for some tips on managing your retirement plans here are some things that might help you. Managing your retirement is fairly hard without a professionals assistance, but we understand that not everyone can afford to employ a financial planner, which is why we offer many tips on our website so you can be knowledgeable about all things financial related. If you are just starting out with your career and retirement is years away keeping some of your retirement funds in stocks is a good idea. One thing to try is dollar-cost averaging, which consists of investing consistently in securities regardless of the markets fluctuations. This is a good way to build up your financial portfolio in the long run. Also it is smart to diversify your assets in your retirement fund. This basically just means to invest in various things, in order to lessen the impact of any one particular loss. This doesn’t mean that you will not still face risk, it just means that your risk will lessen considerably with the proper diversification. One option that could be less risky to invest part of your retirement funds in would be guaranteed interest contracts, which are offered by insurance companies. These contracts can provide a set rate of return for a particular period of time.