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Investment Philosophy

We Are a Planning First Type of Firm.


While investing is not a standalone plan in itself, it is an important part of any financial plan. Once we’ve completed your comprehensive financial plan, we will know what investment strategies are most suitable to accomplish your goals.


We give you the blueprint to execute our suggested investment strategies on your own, however, many clients are looking for professional help in managing, coordinating, & maximizing their investment program on an ongoing basis.  

That's where our investment management & ongoing financial planning services come in.

Let’s face it - beyond the value of having a professional & experienced hand at the wheel safeguarding your financial future, you can probably find better ways to spend your day than managing your own portfolios, rebalancing across investments, or harvesting your own tax losses... (don’t worry…we’ll get there!)

At the plan’s conclusion, our team will help you execute the investment strategy we’ve laid out together based on your risk tolerance, tax situation and unique financial circumstances. We will continuously review your investment program & comprehensive plan over time to ensure your money is working as hard for you as you have for it.   

Our investment roots are most influenced by the science of investing and behavioral economics as well as our lived in experience as an investment management firm for over 20 years.

Investment Philosophy

✔️ All successful investing is goal driven and planning driven.

🚫 All  failed investing is market driven and current events driven.

This is why your personalized investment plan will be carefully designed around you and your financial goals.

While we think this one idea pretty much captures everything... we're happy to dig deeper into our core beliefs, investment process & approach (honestly, we can't share these ideas enough!) Here it goes:

We ALWAYS act in a fiduciary capacity

We are an independent wealth management, providing open architecture & access to over 170 Professionally Managed Asset Allocated Portfolios

We eat our own cooking…we only use investment strategies, portfolios, and securities for clients that we use personally

Summit Financial Investment Management Services Overview

Personalized Tax Management

Personalized Tax Management

Investment planning is about a lot more than just asset allocation or picking the right funds. The tax efficiency of your investment program will go a long way towards the achievement of your long term investment success. After all, none of us care about investment performance in a vacuum…we DO care about what that growth mean will for our purchasing power over time. Put another way…we care about how much money we get to keep…not how much we make! This is why looking at the various tax vehicles available to us and choosing the vehicles that most maximize our after-tax rate of return is at the heart of our investment management program. But tax management is not just about picking the vehicles themselves alone…What happens INSIDE the accounts on a daily basis is equally important…and so our investment approach continually looks to implement tax strategies (tax loss harvesting, capital gains scheduling, Roth conversion planning, tax-efficient rebalancing programs) that will serve us maximize our wealth in the long run.

Access to an Unlimited Investment Universe

Access to an Unlimited Investment Universe

When choosing investment strategies, portfolios, funds, or even individual equities and bonds, we have the freedom to choose the absolute best vehicles possible based on the client we’re speaking with! We have no proprietary investments that we’re “supposed” to use and our fees DO NOT CHANGE dependent on which investment strategies/portfolios we design with our clients. Put more simply, we get to the sit on the same side of the table of our clients as we build their investment program. We think this “open architecture” and the ability to customize portfolios with vehicles that truly make the most sense for each individual client is at the heart of our fiduciary approach.

Globally Diversified Approach

Globally Diversified Approach

We believe in the power of the markets…and we know that at different points over the course of your investing lifetime, different styles/types of investments will have it’s day in the sun…Large Cap vs. Small Cap, US vs. International, Growth vs. Value etc…Our investment philosophy is to take a balanced, diversified, and purposeful approach that gives you the greatest opportunity for long term investment success.

Continual Risk Alignment

Continual Risk Alignment

Our investment strategy is NOT just about the actual recommendations themselves. We want to educate clients on the investment process along the way…How do YOU think about equities vs. fixed income, between individual equities versus funds, or between passive investing versus active investing? (And if you have no thoughts yet…that’s ok…we’ll get there!) We want our clients to understand where they fit in on all of these decision topics BEFORE we get started building out their investment program. More importantly, we also want to know how you “feel” about your money: are you a bit more hesitant and conservative by nature and want more stability in your investment program? Or are you more focused on long term upside and are comfortable with the short term volatility it will take to get there? Either way….it’s not one sized fits all, and we want to explore this together before we get started.

Institutional, Third Party Custodians

Institutional, Third Party Custodians

Institutional, Third Party Custodians such as Pershing, AssetMark Trust, Fidelity, Schwab, and more.

Continuous Proactive Review

Continuous Proactive Review

All Summit Financial investment clients have their own Bucket Plan (see below for an explainer) that allows us to segment their money based on the time horizon of your financial goals. A successful long term investment program requires us to continuously make sure your investment Bucket Plan matches your current life circumstances now and as your life evolves. The size of your “Buckets” will change year to year as your goals do…at various times we may prioritize retirement saving or short term funding (maybe because you’re looking to buy property)…The key is to make sure that each year we are updating the plan and investing with purpose.

Behavioral Coaching

Behavioral Coaching

Markets go up and markets go down…We have no control over this! But we have 100% control over the way that we react to market fluctuations, politics, current events. One of our most important jobs is making sure that our clients are not making the wrong investment decisions for the wrong reasons at the wrong time (ie: selling because of a down market, moving ALL into one sector because of a great year, over-trading because of FOMO etc.) Our clients know how committed we are to keeping them on THEIR right path even as the world changes around them.

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Below is our fee structure:

Household Assets Managed by Summit FinancialWealth Advisory Fee
500,000 & Under**1.25%
$500,000 - $1.5mm1%
$1.5mm - $2.5mm.85%
$2.5mm - $5mm.75%
$5mm+Negotiable

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