Solutions for Private Clients

For families and individuals, the YOU Difference^TM is the solution. We align our services with your financial fingerprints: the one-of-a-kind combination of your financial resources, needs, goals, concerns and time horizon. Whether you’re just starting out or planning wealth transfers to your descendants—or anywhere along the way, we are your key resource. We listen to your story, share in your vision, create your plan, report on your progress, and help you craft the future you envision.

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At Towneley, we offer a variety of investment services and vehicles designed for wealth management:

Our Multiple Mutual Fund Strategy, or MMFS, provides participation in global markets and the means to efficiently rebalance portfolios as changes in your needs or market conditions necessitate.

Why do we recommend a portfolio of mutual funds over a portfolio of individual stocks and bonds? Our experience has shaped our belief that mutual funds offer a more cost-effective strategy for generating risk-adjusted returns for most investors for the following reasons.

Greater Diversification

A portfolio of multiple mutual funds offers diversification among thousands of individual securities and many different asset classes, including exposure to:

• Value and Growth Company Stocks
• Small, Medium and Large Company Stocks
• Short, Intermediate and Long-Term Bonds
• Taxable and Tax-exempt Income
• Global Stocks and Bonds
• Emerging and Developed Markets
• Multiple Currencies
• Commodities

Access to a Number of Professional Managers

Mutual fund managers are experts in the individual securities they buy and sell for their funds. Mutual fund investors reap the benefit of this professional investment expertise for less than they might pay otherwise.

Cost-Effective Participation in Global Markets

The costs of foreign custody, research, brokerage processing and administration are prohibitively expensive for individual stock and bond investors with portfolios under $50 million. Mutual fund shareholders, however, benefit from economies of scale because management fees and other costs are allocated among thousands of shareholders.

Increased Efficiency of Portfolio Management

Rebalancing a mutual fund portfolio in response to cash flow needs or changes in market conditions can be easily and inexpensively accomplished compared to the time and cost involved in adjusting an individual stock and bond portfolio. Through the use of our efficient rebalancing strategy, we are able to fully rebalance a client’s portfolio within 24 hours,ensuring that the portfolio assets remain consistently invested in the market. Most individual stock and bond trades take up to 3 days to settle, during which time the funds involved are out of the market and unavailable to generate returns.

The annual cost of our Multiple Mutual Fund Strategy ranges from 0.30% to 1.00% of assets invested in the strategy. The minimum investment is $2,000,000. The Multiple Mutual Fund Strategy may not be suitable for all investors.

International markets exposure can help offset domestic market risk and enhance overall portfolio performance.

As a global asset allocation specialist, Towneley manages an exchange traded fund strategy designed to provide diversified exposure to worldwide investing. This strategy offers a low-cost, highly-liquid means of tracking country-specific and broad market indexes.

Towneley’s Global Balanced Strategy is designed for clients who would like to participate in the capital appreciation potential of the major worldwide financial markets. This strategy seeks a high total return with moderate risk over the long term. We allocate assets among U.S. and foreign stocks, bonds, and commodities, and rebalance periodically.

Our exchange traded fund strategy is particularly suitable for investors with revenues or expenses in foreign currencies. Tax-exempt entities enjoy the benefits of rebalancing without tax consequences.

The annual cost of our exchange traded fund strategy ranges from 0.30% to 1.00% of assets invested. The minimum investment is $500,000. The exchange traded fund strategy may not be suitable for all investors.

For over forty years, we have provided financial planning services to our asset management clients.

Now we are pleased to extend these same services to individuals on a stand-alone basis. We prepare every analysis with the level of detail appropriate to your needs and determine costs on a project basis. Our financial planning services include:

Pre-Retirement Planning

Our retirement analysis will tell you whether your current retirement goals are attainable. Our analysis can also indicate how much you will need to accumulate to retire at your preferred retirement date and desired retiree lifestyle. We provide a plan identifying how much you should be saving now and the best type of account for your retirement savings.

Post-Retirement Distribution Planning

When you are ready to retire, we can help you monitor the amount you withdraw from your invested assets so that your money lasts as long as you need it to. Using our proprietary Withdrawal Analysis software program, we evaluate how your current withdrawal pattern may impact the longevity of your invested assets given various scenarios. We also suggest alternative strategies.

Spending and Budget Analysis

We evaluate your income and expenditures and provide you with a cash flow analysis that includes our suggestions for reducing spending and increasing savings. Although we can’t provide specific tax advice, we may include suggestions that may reduce your taxes for discussion with your tax advisor. If appropriate, we can also evaluate your mortgage or other outstanding loans and help you determine if you might benefit from refinancing or from discharging those debts sooner than scheduled.

College Cost Analysis and Planning

We estimate how much you should save for college expenses based on your target university and other variables. We can also recommend the best type of account to hold your college savings and help you determine the appropriate asset allocation for that account. (Fee for financial planning clients: $250 per student)

Additional services may be available depending upon your needs.

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Call us at 800-545-4442 or 949-837-3580, send us an email or complete this form.