Our Prudent Process
Our process begins by crafting a comprehensive retirement plan and strategy for a lifetime of income. Working with your advisor, an allocation is developed to meet your individual cash flow needs. This is the basis of the “Bucket Approach” we utilize to provide income from your investments. Simplified, we structure one “bucket” with relative security to provide income for a specific number of years. Our second “bucket” is diversified with growth investments that take advantage of various market cycles over time. The key to this strategy is regularly scheduled meetings with your advisor, where we monitor your cash flow needs and withdrawal rates, look for tax planning opportunities, and make adjustments when necessary.
Muchler Financial Services provides its clients with a wide array of financial expertise, which is readily available as varying needs arise. This accessibility is fostered by a team of highly qualified professionals, whose goal is to strive for an experience beyond expectations.
Horizon Advisory Services’ Investment Policy Committee is laser focused on the success of two portfolios – the stability portfolio (bucket #1), and the growth portfolio (bucket #2). This aids Terry in the selecting of appropriate investments and money management for our clients.
We believe the depth of care, concern, and attention our clients’ portfolios receive is significant in directing our clients’ pursuit of their financial objectives. Under the direction of Horizon Advisory Service's Chief Investment Officer, Kenneth Blazick, AIF, the Investment Policy Committee uses a prudent fiduciary process for conducting research, selecting investments, monitoring portfolios daily, and making allocation changes. The committee tracks a wide range of economic and market data and relies heavily on quantitative (mathematical) analysis to target risk levels within the portfolio. However, interpreting data, recognizing trends, and using experience to read situations and events is truly important. This qualitative analysis is where investing evolves from science to art.
There can be no guarantee of investment success. There is no foolproof method or system. However, approaching retirement with a strategy you understand, a sharp team managing your investments, and an advisor dedicated to your success certainly puts the odds in your favor. We look forward to the privilege of managing your money.
*Muchler Financial Services, The Horizon Group and Horizon Advisory Services are all separate entities.
Our Fiduciary Duty
At Muchler Financial Services we embrace our fiduciary duty to put the interest of our clients ahead of our own. This involves charging fair and reasonable compensation for our services, disclosing and managing any conflicts of interest, and following a prudent process for managing our clients’ hard earned money.
The term fiduciary is a legal standard of care that must be applied to all retirement accounts, including IRA’s, when the Department of Labor’s fiduciary rule takes effect June 9th, 2017. This engagement model is the only way we serve retirees. Terry has received the Accreditation Investment Fiduciary designation (AIF.) Clients enjoy our transparency of fees – many feel it’s the first time they’ve understood the cost of investing. They appreciate our disciplined research and due diligence process when considering investments. Most of all, clients are comforted by a formalized investment strategy and the daily monitoring of our fiduciary models.
We are passionate about keeping clients informed and on track to meet their hopes and dreams. We monitor their progress with regularly scheduled reviews. Although the fiduciary standard is the legal bar for client interaction, we strive for something much higher. Stewardship can be defined as having the passion and discipline to protect the long-term interests of others, and is a principle we’ve demonstrated since our founding in 1990.