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Getting the Best Advice for Your Nest-Egg: “Institutional vs. Retail”

Getting the Best Advice for Your Nest-Egg: “Institutional vs. Retail”. What’s the Difference?. The “Retail” financial industry is where most of the public receives its advice and financial instruments.

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Getting the Best Advice for Your Nest-Egg: “Institutional vs. Retail”

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  1. Getting the Best Advice for Your Nest-Egg:“Institutional vs. Retail”

  2. What’s the Difference? • The “Retail” financial industry is where most of the public receives its advice and financial instruments. • The “Institutional” financial industry is how the large institutions and very affluent consumers access their advice and asset management.

  3. What’s the Difference • Retail is, by definition, the sale of products to the public. “Everyone has access to the same thing” • Good for investors who are just starting to save and a good way to generalize financial services • Institutional level investment and advice is customized to you and more comprehensive. • Better for investors that have already saved their nest egg and need a customized approach before and through retirement.

  4. Retail • Investment Generalists: • Offer a broad range of packaged financial products but don’t specialize in any particular area. • Tend to utilize commissionable transitions with clients. Ask your advisor or broker: “How do you get paid?”

  5. Institutional • Wealth Managers: • Typically, fiduciary advisors take a comprehensive approach to meeting clients needs. • Highly customized and consultative approach to constructing financial plans • Tend to work on a residual fee basis for their services.

  6. Institutional Asset Management • The same level of asset management used by large institutions, endowments, funds and wealthy individuals. • Your money is not “pooled” together with others into a “fund”. You receive a customized selection of securities in accordance to your specific investment objectives.

  7. Institutional Level Advice • Clients deserve institutional level professionals working on your behalf. • Wealthy clients have benefited from the advice and management of these institutional managers for years. • We believe our clients deserve that same access and have set up our independent firm to provide just that.

  8. Our Wealth Management 3 phases: • Consultative process: Establish a close relationship with our clients to get a detailed understanding of your wants, needs and objectives. • Customized choices and recommendations: We focus on investment management, insurance, estate planning and retirement planning. • Ongoing active management of the customized solution: Work very closely with our clients to communicate what's happening within their plan and together make any appropriate changes to meet your needs. Communication is key!

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