MISSION STATEMENT:
Encourage. Equip. Educate.
www.9SimpleSteps.com
To provide meaningful comprehensive financial planning and monitor implementation and
To encourage and educate individuals and families in successful execution of the 9 Steps (earnings, giving, tax planning, savings, insurance, spending plan, investments, retirement planning and estate planning) to Financial Security with a biblical perspective.
OVERVIEW:
BourGroup (Advisor) provides financial planning services which may also include advice on cash flow, debt management, risk management and college funding within the context of the 9 steps mentioned in the mission statement. The Client's current financial situation, needs, goals, objectives and tolerance for risk are first evaluated and then the Advisor presents the analysis in a written summary of significant observations, assumptions and recommendations over each area that the Advisor was engaged to provide advice.
Asset allocation and investment policy decisions are made, in the Advisor's best judgment and in the best interests of the Client, to help the Client achieve his/her overall financial objectives while minimizing risk exposure. BourGroup believes that the appropriate allocation of assets across diverse categories (stocks vs. bonds, international vs. domestic, large-cap vs. small-cap, growth vs. value) is the primary determinant of portfolio returns and critical to the long-term success of one's financial objectives. In addition, investment portfolios do not stand alone but must be considered with the returns of other assets including home equity, emergency funds, pensions and other retirement funds that may exist.
Advisor primarily employs long-term, buy and hold asset allocation philosophies and approaches in investment selection and implementation strategies. BourGroup does not hold any assets under management and receives no commissions. Clients receive account statements directly from the mutual fund companies and/or brokerage companies in which they hold investments.
BourGroup is available to help with implementation of plan recommendations. Periodic financial check-ups to monitor results are recommended but it is the Client's responsibility to initiate this review at 6 months and 12 months after the material is presented.
