is where Beese Fulmer gathers all essential financial information to establish your goals, style of investing, attitude toward risk, sensitivity to taxes and other viewpoints and investment psychological factors.
The rational way is a better way.
Other than lotteries, nobody makes money by accident.
Beese Fulmer Private Wealth Management believes that wealth is best created rationally, because deliberate, purposeful investment planning beats impulsive, haphazard reactions to the latest blip. That’s why Beese Fulmer LIVES by The Rules of the Rational™, simple common-sense axioms too often ignored by typical investment brokers. Here’s how Beese Fulmer assesses your needs to make your investment strategy YOURS AND YOURS ONLY.
GET RATIONAL WITH YOUR PERSONAL PATH TO PRIVATE WEALTH.
Three critical steps help you wherever you are on your investment journey.
1. YOUR WEALTH PROFILE
2. YOUR FINANCIAL FORESIGHT ANALYSIS
helps project future outcomes in a clear and concise way, incorporating your time horizon and withdrawal rate, while integrating your goals, to estimate your portfolio values utilizing different asset allocations.
3. YOUR INVESTMENT POLICY STATEMENT
is an agreed-upon document of account objectives that provides your investment manager with the power to invest and reinvest based upon prescribed guidelines and constraints. It lists major investment considerations by ranking capital appreciation, current income and capital preservation. The policy statement also stipulates an asset allocation range between common stocks, fixed-income and cash reserves. The final document is then reviewed and signed, which both sets the terms for the account and establishes the foundation for periodic in-person evaluations.
GET RATIONAL WITH YOUR PERSONAL PATH TO PRIVATE WEALTH.
You’re at the stage when committed saving and more aggressive investment growth is necessary, to accumulate wealth for retirement.Learn More
Your goal is to live the same lifestyle you now enjoy after you retire, which requires a strategy to maintain wealth and sustain growth.Learn More
You want to continue the legacy of those who preceded you and look to set a legacy for yourself, making an impact by applying the values of money, such as through gifting, continuation or stewardship.Learn More
You are looking toward the next phase, whether selling your business or creating a succession profile.Learn More
RETURNS THE RATIONAL WAY
There is a rational way to invest and grow wealth. It doesn’t involve the lottery or tea leaves or Ouija boards or guys yelling on TV. Instead, Beese Fulmer clients have chosen an investment philosophy and management approach that’s DIFFERENT. On purpose!
Decisions are made only based on YOUR BEST INTERESTS
— adhere to CFA Institute Asset Manager Code of Professional Conduct (CFA) standards, a higher ethical fiduciary standard
— similar to your attorney and accountant, we can only make decisions based on your best interests
Your portfolio manager is AN ANALYST, not a salesperson
— many big box brokerage firms tell their advisors what they should be pushing
— Beese Fulmer analysts make recommendations based on day-in and day-out research and educated assessments
Invest primarily in individual STOCKS AND BONDS for the long term
— no hidden or layered fees that eat into your return (like mutual funds)
— no knee-jerk reactions to irrational market fluctuations
Regular PEER REVIEW of your portfolio
— active management conducted by a team of sector experts, each with knowledge in every part of the economy
— oversight is "active" and not "set-it-and-forget-it"
PERSONAL ATTENTION with client and family communication
— service is individualized to you and your needs with a low client-to-portfolio manager ratio
— your portfolio is customized based on individual security purchases
YOUR BROKER MAY BE BROKEN AND YOUR BANKER MIGHT BE BUST.
A better choice than investment brokerages or bank trust investment services.
Beese Fulmer has been helping high net worth clients for 38 years. With nearly a century of combined experience, Beese Fulmer has become the rational choice, better for you than the ordinary, default standbys.
Better than investment brokerages: They earn by commission; Beese Fulmer does not. They get paid to recommend certain investments, putting their primary interests ahead of yours, so they end up selling you what they want and not what's best for you. Beese Fulmer never will.
The truth is, brokers don't like the Beese Fulmer fee structure one bit. It’s based solely on the assets managed for you, unlike brokers who get "referral bonuses" a fancy way of hiding their incentive to push funds, even those that are underperformers. While Beese Fulmer has fully-transparent fees, brokers charge sales loads, which is an indirect way to reward themselves extra money just for moving your investments from fund to fund. Those mutual fund charges can average 1.3-1.5%, and add up to 2.0% or more in total expense ratio2 — which is quite a haul when it's your money!
Better than bank trust investment services: They sell more standard choices instead of customized one, and unless you're one of their bigger accounts you often get stuck with a call center instead of a real advisor. Also, as a bank customer they own your account, meaning you belong to the bank rather than a particular investment advisor. Beese Fulmer knows that most retirement investments are long-term by nature, giving you the choice to grow through a stock and bond approach. It makes sense (for instance, long-term stocks outperform fixed investments). Furthermore, Beese Fulmer understands that stable advice and consistency is an essential part of managing your money that bank personnel realities cannot duplicate.
Start Investing Rationally
Beese Fulmer Private Wealth Management LIVES
by The Rules of the Rational.
Beese Fulmer Private Wealth Management experts know investing from every angle and follow every market trend from a clear-thinking perspective. Check out the Beese Fulmer blog and view the videos to learn more about what they think and how they reason.
The year 2023 was a year of few certainties.