Whether you’re worried about your investments, wondering how to turn your retirement savings into retirement income, or facing a big life transition with big financial implications, we’re here to help.
Services at Argent Advisors, Inc.
The services we provide at Argent Advisors, Inc. are customized to each client we serve. Overall, our work falls into three categories: Planning, Protecting, and Investing.
Perhaps you need a financial plan to outline all of the aspects of your finances and goals. Or, as you get closer to retirement, or are already retired, a retirement income plan that delineates how you will fund your lifestyle even if you live in retirement for 30 years or more. Investing plays a part for many of our clients, as does insurance as we seek to put protections in place and transfer wealth to your heirs in a tax-advantaged manner.
1. Planning
The purpose of financial planning is essentially to make work optional. Whether you actually want to stop working or not, we can all agree that it’s best to be in the position to not have to work if you don’t want to or, worse, suddenly can’t. But how do you do that? Very simply, you spend less than you earn right now in order to save and invest money for use later on. To accomplish that, you need a plan to organize your resources, however limited or plentiful, to optimize future financial outcomes.
As difficult as it is accumulating and growing the wealth that will fund your retirement and inheritance, there is also the unfortunate reality of risk along the way. It would be wonderful if we lived in a world that didn’t require us to take protective measures to secure the value of our assets, but even the best laid financial plans are just one lawsuit, accident, illness, injury, or death away from complete ruin.
To help reduce the risk of an unexpected financial crisis, we employ various types of insurance strategies to mitigate the damage to your long-term financial stability. Let us stress that we are not primarily in the business of selling insurance (though we do that). Instead, we seek the protection offered to our clients by insurance and utilize this tool only when financially feasible and appropriate.
2. Protecting
3. Investing
Just like you need a plan for reaching your financial and life goals, you should have a process in place for handling your investments. Before we begin any investment plan, we work to understand you, your goals, and your risk tolerance. Then as we implement, we monitor and regularly communicate with you. The investing process looks like this:
- Understand You
- Align Your Goals and Strategy
- Constantly Monitor
- Dynamically Reallocate
- Regularly Communicate
When we first begin working with a new investment client, our primary goal is to understand your investment goals, time horizon, and tolerance for risk.
Understanding your investment goals, time horizon, and risk tolerance, we’ll then help you to structure an investment strategy that appropriately allocates your investments across the various asset classes to achieve a well-balanced, diversified plan.
The exact mix of your personal portfolio will depend on your goals, timeline, and risk tolerance. But your investment strategy isn’t something that we’ll create and then put away on a shelf. We’ll regularly review your portfolio performance on an ongoing basis, seeking to maximize every opportunity to achieve your investment goals.
At its core, Argent Advisors, Inc. specializes in asset allocation. We construct investment models to match global asset allocation themes with customer investment objectives and goals. These models are constantly evaluated and managed to position assets according to the risk profile and investment objectives communicated by the client. This involves a moderate amount of repositioning.
We remain available to personally sit down with you to reevaluate your goals, review your portfolio performance, and discuss any necessary changes to your investment strategy.
Please Note: Limitations. The scope of any financial planning and consulting services to be provided depends upon the terms of the engagement, and the specific requests and needs of the client. Argent does not serve as an attorney, accountant, or insurance agent. Argent does not prepare legal documents or tax returns, nor does it sell insurance products. If the client desires, one of Argent’s representatives, in their separate licensed individual capacities, can be engaged to provide insurance sales/services per the terms and conditions of a separate engagement and fee.
Please Also Note: Different types of investments involve varying degrees of risk. Therefore, it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended and/or undertaken by Argent) or any planning or consulting services, will be profitable, equal any historical performance level(s), or prove successful.
Contact Us
Getting started is easy! Call us at (318) 251-5858, or email us here.
