istock bfp family FINAL

Our Process

Over the course of the last 20 years, we’ve developed and implemented proprietary processes which help us ensure that 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 will find the pursuit of family, philanthropy, professional goals and balance are 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 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.

Proactive Service

We feel service is the key to keeping planning and investment management working as efficiently as possible and we’ve reached this point by refining our service platform over the last two decades. In doing so, we’ve created a level of comfort rarely found in most people's financial lives.

Based on your specific needs, you will receive scheduled calls, along with portfolio reviews, in-person meetings, and an investment plan update. This is our minimum commitment to you. Keep in mind that additional calls, meetings, plan updates, and more are always welcome.

The "Why"

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

Think about how many times you've received an unannounced call from your “broker.” 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. 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, we believe our clients receive the benefit of a very consistent and comfortable relationship regarding their financial wellbeing.