FMF&E Wealth Management, LLC is a full service registered investment advisory firm, providing advanced wealth planning and portfolio management.
Wealth planning
Many of your financial goals can span a lifetime or even generations. Your financial plan should be just as far-reaching. Our approach is thoughtful, deliberate and highly individualized. We utilize a systematic and comprehensive process to reveal your goals and priorities, then create the financial and legal mechanisms to reach these goals.
We then consider and work to mitigate any factors that might jeopardize these goals, from taxes, inflation and market fluctuations to legal actions, property and casualty losses and business continuation issues. We will help you implement an array of tools and strategies to prepare for uncertainty, with a focus on long term outcomes.
See more on wealth planning at www.brightskygroup.com
Portfolio management
We apply a passive investment approach, tailoring your portfolio's level of risk (and its expected returns) according to your personal preferences, goals and circumstances. In addition to seeking broad global diversification according to the tenets of Modern Portfolio Theory, we assist with appropriate asset location between taxable and tax-advantaged accounts.
We do not believe that investors (neither individuals managing their own portfolios nor professional money managers) can systematically beat overall market returns over any significant time period. In fact, we believe the harder they try to do so, the less likely they are to be successful.
We are proponents and practitioners of asset class investing. We help clients meet their personal and financial goals by:
- Balancing risk and return through a focus on asset allocation and global diversification
- Capturing equity returns primarily with institutional style, low cost, tax-efficient mutual funds
- Creating fixed income portfolios — generally with high quality individual bonds — that seek to preserve capital, produce income, reduce overall portfolio risk and limit tax exposure
- Following a disciplined buy-hold-rebalance strategy, avoiding frequent transactions that drive up costs and tax burden
- Integrating all investment decisions with long-term financial planning
For more insights, read a Bright Sky Group article: Asset Class Investing 101: What it is and why it matters
Transferring and donating wealth
Passing assets to loved ones and charitable organizations can create a powerful legacy that changes lives for many generations. As these transfers involve many interdependent financial, regulatory, and legal issues, prudent planning is critical. We can help you and your family define goals in this area and coordinate appropriate resources to implement your plans.
What we don't do
We think it is important to avoid some investment practices, including the use of hedge funds, venture capital, private equity, and direct commodity or currency investments. We view these as forms of speculation rather than investing and believe these vehicles are not appropriate in a prudently designed portfolio.
