There reasons why people choose to work with a financial Advisor are as varied and unique as the individuals and families themselves. Sometimes it comes down to lack of time and/or expertise in regards to managing one’s own financial affairs. Many people also look to a financial Advisor to help them develop and monitor “the big picture.” No matter the reason, many people find that they just don’t know where to start, or how to be objective, when it comes to planning and managing their own personal situation. This is where John G. Ullman & Associates can help!
Primary Service Offerings
Our team of experts has the experience to fully design and implement dynamic, customized plans. We achieve this by working across our service areas to provide you with the highest level of comprehensive guidance, which is always individualized based on your unique needs.
Financial planning is an ongoing process. As our client, we are committed to providing you with continued support and analysis in order to identify, plan for, and achieve your goals. Our highly interactive approach follows a four-step process: assessment, advice, action, and follow-up.
Your investments are a mechanism for helping you achieve your personal goals and objectives. Your Advisor will work with you to create an investment strategy that is comfortable for you, based on your risk tolerances and our investment approach. Our Investment Management experts take on the day-to-day tasks necessary to manage your portfolio based on your customized mix. Even if we won’t be actively managing all of your invested assets, we will still advise you based on the entire picture and structure our target portfolio mix accordingly.
Tax Planning and Preparation
Through our in-house tax department, we approach tax planning in a comprehensive and proactive way, with the goal of minimizing the tax consequences of prior decisions and managing the tax implications of future actions in order to help you achieve your ultimate goals.
How We Work With You
Our process starts with you. As our client, you will be assigned an Advisor, a financial planning professional who is your primary contact within our firm. Your Advisor will work very closely with you to build a relationship based on trust and integrity. Your Advisor needs to fully understand your situation and develop a plan aimed at helping you achieve your short-term, intermediate and long-term goals. Your goals are the framework for your plan and provide a clear-cut path for measuring success towards the objectives you want to achieve. We help you achieve these objectives through determining the best use of your hard-earned money.
Your investments are a mechanism for helping you achieve your goals and objectives. Therefore, we will work with you to create an investment strategy that is comfortable for you – one that works within your personal risk tolerances and will help you meet your financial objectives. Your Advisor will work closely with our experienced investment management team to leverage our internal research, trading, and portfolio management groups and identify the recommended mix of investment securities for your portfolio.
We manage balanced portfolios that include cash, bonds, some mutual funds, and stock in individual companies. Through our disciplined approach we help reduce downside potential while growing your portfolio in a manner that suits your needs and objectives. We are able to provide both highly experienced and newer investors with personalized, active portfolio management based on real-world experience, analytics, and insights, not just automated algorithms.
Through our customized and hands-on approach to financial planning and investment management, we truly become a partner in your life, actively working with you to help you reach your goals. For example, for some clients we may not actively manage all of their invested assets (such as a company 401K plan); however, we still advise on the whole picture and structure our target portfolio mix accordingly. We also act as facilitator whenever necessary and help coordinate plans with other professionals such as your attorney, accountant, or insurance agent.
Backed by our team of financial planners, CPAs and other tax professionals, legal professionals, and support staff, we are uniquely qualified and equally passionate about helping clients and their families achieve their financial goals.
The process always starts with you and final decisions are always up to you.