OUR STRATEGY
Essential Elements, Rewarding Strategies.
The Leshnak Wealth team brings expertise and creative strategies to assist with retirement income, investing, tax preparation and wealth preservation.
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The beauty of our LW Wealth Process is that it ensures we never lose sight of the two essential elements to achieving financial independence – these two elements are “what matters” and “what we can control.”
What matters most to our clients is their family; the ability to provide for their children and grandchildren now and in the future through a solid education and an investment legacy. We never lose sight of that.
What matters to our clients is their occupation; they strive for a successful and enriching career, aspire to a work optional lifestyle, and the confidence to know they will not outlive their money. The key to financial independence is a successful and fruitful career coupled with prudent savings. We never lose sight of that.
What matters to our clients is recreation; they have things they want to do, places they want to visit, and seek the time and security to do them. We never lose sight of that.
We want our clients to look to the future with anticipation, not apprehension. Money matters because it is how to accomplish what matters to our clients—the LW Wealth Process provides the framework within which to plan for the needed accumulation and eventual distribution of capital, the investment strategy, and the protection of assets and income.
The LW Wealth Process concentrates on the things we can control, in essence, focusing on the set of the sail rather than the direction of the wind. Planning provides clarity, growth provides confidence, and protection provides reassurance. Our process encompasses a panoramic view of wealth management: Assessment Management focuses on the construction and ongoing adjustments of a client’s financial plan. A retirement accumulation plan is essential during the client’s working years to ensure the funds are set aside for retirement. A detailed retirement income plan is vital during the retirement years for the proper distribution of those funds to ensure the client will not outlive their assets. A college funding analysis provides a path for clients to estimate and fund the estimated future college education expenses for their children and grandchildren.
Investment Management
Focuses on diversification and re-balancing which endeavors to place you in the position of selling on rallies and buying on retreats and away from the emotional upheavals of the market. Our investment strategies help enhance your success by establishing a portfolio that endeavors to optimize return and lower volatility.
Risk Management
Focuses on protection of assets and income no matter how smooth the water or how unexpectedly rough the sea can get.
Tax Management
Focuses on putting the client in the best position to pay the least amount of tax possible, legally.
Debt Management
Focuses on being ready for anything because good decisions usually
stem from being in a good financial position.
Cash Flow Management
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Focuses on budgeting to ensure allocation of funds for future goals plus objectives such as retirement, college, starting a business, or purchasing a second home. A budget becomes paramount, especially during the retirement income period and is the foundation of any financial plan.
Estate Management
Focuses on the wishes of our clients for the distribution of their assets at death.
Leshnak Wealth provides clients with a written wealth plan tailored to address any or all the following as applicable for the client: budget and cash flow assessment, retirement accumulation and income plan, college funding analysis, charitable giving strategies, estate distribution strategy, pre- and post- divorce planning, insurance assessment, tax reduction strategies, employee and executive benefits review, debt elimination strategy, assistance after the death of a spouse, and small business strategies.
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Leshnak Wealth’s Investment Philosophy is founded in the belief that markets are like the seasons. When the market is moving higher, we are in the autumn harvest. Winter eventually follows autumn, so we are already thinking winter as we begin harvesting the crops in autumn. When markets are volatile and dropping, we think spring, and begin planting anew, knowing that eventually the autumn harvest will come. Many of the most successful investors, whose results are enduring, share this same philosophy.
Market volatility, political uncertainty, competitive forces and other external pressures and events are facts of life and always have been. We cannot predict or attempt to control any of these happenings, but we can react either to take advantage of a potential opportunity, stay the present course, or become more defensive afterward once the situation presents itself and is assessed.
Leshnak Wealth will draft an Investment Policy Statement (IPS) based on the risk profile, resources, goals and objectives for each specific client’s portfolio. The IPS establishes the criteria for matching long-term objectives to an appropriate investment plan and provides a frame of reference that will help keep the advisor and client focused on the long-term objectives for the portfolio. This focus is especially valuable during periods of market volatility when there may be a temptation to react to short-term factors. The IPS also establishes the criteria against which progress can be measured.
