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Markets Can Be Irrational... you don't have to be.

Markets can stay irrational longer than you can stay solvent. That's why control is so vital for successful high net-worth wealth management. Control means you stay with your portfolio manager for the long term, so your personal risk tolerance and return objectives are known AND followed. Control means your total wealth picture is more important than some fad-stock-of-the-day. And control means we stay steadfast and smart.

Because your money deserves care.

We are not like other wealth management advisors. On purpose.

You are a high net-worth individual investor. We are high net-worth wealth management experts unlike any other. Beese Fulmer understands the complexity of this type of asset management and we've put a structure and a process in place to control the complexity with rational, sensible practices. Retirement goals…risk tolerances…and income needs rule, while tax efficiencies are a given.

 

Explore the differences between Beese Fulmer, Bank Trust Departments, Brokers, and Financial Planners:    (Click below to expand) 

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  Beese Fulmer Bank Trust Department Brokers Financial Planners
Each professional works with you to build an Investment strategy to help you reach your goals.
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  Beese Fulmer Bank Trust Department Brokers Financial Planners
Investment portfolios are constructed primarily using individual securities, such as stocks, bonds, and occasionally mutual funds. A portfolio consisting of individual securities increases tax efficiency, while also protecting your portfolio from the "diversification plague" (or too much diversification), which is a symptom of owning too many mutual funds.  
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  Beese Fulmer Bank Trust Department Brokers Financial Planners
Controlling capital gains by owning individual securities is an important first step in becoming tax efficient. Professionals look at all of your accounts comprehensively and determine the best account to place each security in depending on tax status, type of trust, and retirement accounts.    
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  Beese Fulmer Bank Trust Department Brokers Financial Planners
By having a fee that is a fixed percentage of assets under management, your account’s appreciation matters to both parties. As a result, your best interests are always at heart.    
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  Beese Fulmer Bank Trust Department Brokers Financial Planners
Beese Fulmer is the best of both worlds. Mutual funds offer a time-tested investment philosophy, but you’re unable to have the mutual fund’s stock experts build a custom portfolio for you. Trust departments are fiduciaries and will build customized portfolios, but their investment philosophy may not be time tested and proven like a mutual fund.At Beese Fulmer, we think you should have both. We were founded in order to offer exceptional client service and build well-thought-out portfolios. At the same time, we have proof that our investment philosophy works – 34 years in business and counting.      

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  Beese Fulmer Bank Trust Department Brokers Financial Planners
We don’t receive a list of approved stocks from headquarters. We are the experts. Each portfolio manager is responsible for reviewing and monitoring companies in each sector of the economy. We build your portfolio, and we make the decisions to buy and sell. We are accountable, not headquarters.      
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  Beese Fulmer Bank Trust Department Brokers Financial Planners
While our founders were working at the trust department, they found a better way. By limiting our client base to individuals, families of substantial wealth, and foundations, we are able to offer better service, build better portfolios, and better understand your goals.      

 

Take charge of your total wealth picture...

 

The Beese Fulmer Wealth Profile

Our WEALTH PROFILE helps us gather the type of information we've found essential in establishing who you are…where you want to go…and how you want to get there.
  • We start with basic background information about your assets and objectives.
  • Then we define your goals for the portfolio and what we call your Investment Psychology (conservative, moderate, or aggressive? patient or reactive? hold-and-grow or make withdrawals?).
  • We determine your attitudes and behaviors concerning the market, a meaningful guide to your favored portfolio philosophy.
  • The final section characterizes your personality in general terms and relating to finances.
Before proceeding, think about your total wealth; not just your investments, but your real estate, bank accounts, business assets, and insurance. These are all part of your total wealth picture.

While we specialize in the investment piece, we will take other assets into account in order to build a portfolio that best complements these assets.

Click below to schedule
your personalized Wealth Profile. 

 
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Recent Articles
  • Ask the Investor: Is Amazon a company I should invest in?
    Monday, July 3, 2017

    In the dot-com stock market bubble one of my friend’s fathers used to ask me, “What does your father, Denny (Beese Fulmer’s co-founder), think of Lucent Technologies?” In the 1990’s Lucent was a high-flying stock that many retail investors chased, but ultimately were disappointed in when the stock price crashed.

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