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"A Goal Without a Plan Is Just a Wish"
-Antoine de Saint-Exupery

   

How We Help Our Clients

Structured Asset Management, Inc. focuses on the following services for individuals and business owners to assist them with formulating and reaching their goals and objectives:

Comprehensive Financial Planning:   Financial Planning is the process that can transform your wishes into achievable goals. We believe that through patience and persistence, we can help you sort through complex issues to enable you to make decisions regarding some of life's more difficult choices. Whatever your hopes are for your future, your children's well being, or the legacy you wish to leave behind, we can help you form a coordinated plan to help you meet your objectives. Click here to learn more about our financial planning process.

Portfolio Management Services: This service provides clients with initial design, ongoing review, supervision, and monitoring of their investment portfolios. Your risk tolerance, goals, tax position, time horizon and cash flows are all considered in constructing a written investment policy statement (IPS) specifically designed for your individual situation. We believe that efficient tax management is a central consideration in portfolio design. This is a critical factor in determining how much spendable money you can withdraw from your portfolio and how sustainable your spending can be. You can learn more about our Portfolio Management Services here.

We prefer to use low cost, low turnover institutional class funds from Dimensional Fund Advisors, among others, that are designed to maximize your returns and minimize your costs.

Employer Retirement Plan Services: Retirement plan sponsors, who are often the business owner, generally offer retirement plans as an employee benefit and a tax efficient way for the business owner to save for their own retirement. What the business owner often doesn’t realize is that a plan sponsor is a named fiduciary under ERISA. As a fiduciary, the owner has a duty to plan participants, their employees, to act solely in their best interests and ensure that all costs are reasonable. We can guide you through this process and benchmark your plan against other similar plans to ensure you have an efficient, cost effective plan while minimizing your fiduciary liability.  Read more here.

If you would like more information or to request a free consultation, please contact us to arrange for a mutually convenient time to meet.

Latest Blog Posts

Sep 29, 2017 by Structured Asset Management, Inc.

Toys "R" Us filed for bankruptcy last week. This was amazing to me. I remember going there 15 years ago and finding the parking lot jam-packed, the lines at the checkout lanes long with people trying to go through with two or more shopping carts full of goodies. It was the place to go to buy supplies for toddlers and gifts for special occasions. In fact, Toys "R" Us and their companion store, Babies "R" Us, were once considered category killers. No one...

Sep 26, 2017 by Structured Asset Management, Inc.

I've seen a lot of headlines recently about investors worrying about what will happen when the Federal Reserve starts selling off this massive portfolio of bonds and mortgages they've bought over the last nine years. J.P. Morgan says it could be "disruptive", Investment News says we are "bracing" for these bond sales. My view is that the people at the Federal Reserve are a lot smarter than that.

Many people have the misconception that when...

Sep 15, 2017 by Structured Asset Management, Inc.

Equifax recently announced a massive data security breach, exposing personal identification information on as many as 143 million Americans. They have set up a website (equifaxsecurity2017.com) where you can check to see if you've been affected and enroll in one free year of credit monitoring and identity theft protection.

What other steps can I take?

It is always a good idea to monitor your own personal information and be...

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