istock bfp family FINAL

Our Process

Over the course of the last 20 years, we’ve developed and implemented proprietary processes to help us ensure you receive sound financial advice and diligent service. Furthermore, we’ve created these processes to provide you with a level of comfort in your financial life, allowing you to dedicate your time and energy to your true passions and goals. Once you reach comfort in your financial life, we believe you'll find the pursuit of family, philanthropy, professional goals and balance is significantly more rewarding.

The three most important processes in place are financial planning, investment management, and proactive service.

Financial Planning

Financial planning is the foundation of multi-generational financial success. At Bibler Finney Panfil Private Wealth Management Group, we’re not just creating an investment plan for you – we’re building a living document that's constantly changing and growing. We consider it the heart of your financial success. We implement the plan, monitor it on a monthly basis, update it as questions arise, and do a comprehensive update of the plan at least annually. Your life changes, so why shouldn't your plan? We simply use planning and the math behind it to show you your different paths so that you can make an educated decision regarding your specific situation.

Investment Management

Our leaders are all portfolio managers and our team meets daily for overnight international market updates and news. On a weekly basis, we discuss macro events that may be relevant to your portfolio and we review fundamental and technical indicators. Each month, we do a deep dive into the outside managers being implemented.

We have the ability to trade discretionary models, along with traditional account types, and this can benefit you because it works toward creating efficiency. Since we know what positions we believe every client owns and why, we're also able to control block trading, which aids execution and pricing. All of this allows us to have direct access to outside fund teams and managers.

Our team currently trades proprietary asset allocation models comprised of mutual funds and exchange traded funds (ETFs).  We also manage individual stock portfolios, including a dividend portfolio, large-cap growth, small & mid-cap (SMID), and an international portfolio. Most clients have a combination of these portfolios to meet their specific goals and risk profile. Furthermore, we also take into consideration legacy and concentrated positions and have the ability to invest in money markets, CDs, individual stocks, bonds, ETFs, options, structured notes, alternative investments, private equity, variable annuities, fixed annuities, index annuities, and life and long-term care insurance. For a deeper dive into our proprietary process, we welcome you to reach out. There is a minimum fee to maintain this type of account. Advisory accounts are not designed for excessively traded or inactive accounts, and may not be suitable for all investors. During periods of lower trading activity, your costs might be lower if our compensation was based on commissions. Please carefully review the Wells Fargo Advisors advisory disclosures document for a full description of our services, including fees and expenses. Minimum account sizes will apply. There are additional costs associated with certain products & strategies such as private account managers, mutual funds or exchange traded funds.

Proactive Service

The service platform that BFP uses has been developed and refined over the last two decades. We feel service is the key to keeping the planning and investment management working as efficiently as possible so that we can create a level of comfort rarely found in most people's financial lives. We believe most teams in this business say they have a service plan in place, but saying and doing are two very different things.

At BFP, our clients – based on their specific needs – will receive a monthly or quarterly call, always scheduled a year in advance, along with quarterly portfolio reviews, annual in-person meetings, and an annual financial plan update. This is the minimum commitment we make to our clients. Additional calls, meetings, plan updates, and more are always welcome.

The "Why"

By committing time to each client a year in advance, we are able to look deeper than other advisors. These calls allow us to stay up-to-date on our clients' changing situations, and we're able to have intimate conversations about all aspects of the financial and personal lives. We enjoy acting as a sounding board with our clients for many matters.

Think about how many times you've received a call from you “broker” unannounced. You may have been in a meeting, out to dinner, visiting with friends, at a child or grandchild’s event, on vacation, etc. It typically makes for a one-sided conversation. At BFP, we've found that by dedicating time in advance to our clients, we give them the ability to set time aside to focus on one very important part of their lives. In turn, our clients receive the benefit of a very consistent and comfortable relationship regarding their financial wellbeing.