Our Process
Discover and create your personalized financial plan, investment strategy and what makes up your Investment Fingerprint™.Tailored for You
At Van Diest Capital, we believe that financial planning should be as unique as you are. Our trademarked financial profiling method, the Investment Fingerprint™, embodies our dedication to crafting personalized financial strategies that cater to your specific needs and aspirations. Much like the distinct patterns of each fingerprint, our approach to wealth management is tailored to safeguard and enhance your financial future.
We utilize top of the line financial planning software to securely store and manage the information within your Investment Fingerprint™, ensuring that your financial plan is always accessible and up-to-date. Click below to access your financial planning profile and begin shaping your financial future today.
The Facets of Wealth Creation
At a high level, the four pieces that make up a successful financial position.
Financial Security
- Health Insurance
- Life Insurance
- Disability Insurance
- Property & Casualty Insurance
Wealth Preservation
- Emergency Fund
- Budgeting
- Personal Debt Paydown
- Cash Flow Optimization
- Tax Minimization Strategies
Risk Mitigation
- Trust & Estate Plan Creation
- Succession Planning
- Retirement Income Analysis
- Buy/Sell Agreements
Wealth Accumulation
- Optimize Employer Plans
- 15-20% of Net Income Invested
- Quantitative Investment Plan
- Maximize Retirement Vessels
- Asset Accumulation Strategies
Phases of Financial Planning
Phase 1
Discovery & Planning
Stage 1: Inventory Current Financial Position
- Compile Full Financial Picture
- Current & Future Assets, Liabilities, Cash Flows, Insurance, Members & Entities
- Tax Situation
Stage 2: Identify Goals & Objectives
- Risk Tolerance (Monetarily & Psychologically)
- Analyze Current & Future Capital Needs
- Purchase New House, Vacation Fund, New Business Venture, Lifestyle Upon Retirement, etc.
- Analyze Estate Planning Intricacies
Deliverables: Completed Investor Profile ➔ Goals Established ➔ Client Onboarded
Phase 2
Investment Strategy & Implementation
Stage 3: Form Investment Strategy
- Risk Based Asset Allocation & Return Targets
- Fund Identification & Modeling
- Management Style Identification
Stage 4: Implementation
- Fund/Model/Manager Selection – Diversified Portfolio
- Finalize Individual Investment Fingerprint™
Deliverables: Your Investment Fingerprint™
Phase 3
Evaluate Execution & Objectives
Stage 5: Evaluate Execution & Objectives
- Ensure Strategy is Realizing Stated Objectives
- Verify Investments are Hitting Desired Expectations
- Gauge Success via Relevant Benchmark Analysis
Stage 6: Review & Optimization
- Adjust Strategy Based on Current Macro-Level Market Conditions & Client Circumstances
- Ensure Investment Profile is Accurate with Up-To-Date Data
- Discuss Future Opportunities/Ventures
- Receive Feedback on Services/Relationship
Deliverables: Comprehensive Investment Strategy ➔ Financial Wellness
Investment Fingerprint™ Components
1
Financial Positioning: Conducting a comprehensive financial inventory, including cash flow statements, balance sheets, income statements, and assessing tax situations and opportunities.
2
Risk Management Tools: Ensuring life, health, disability and property & casualty needs on the individual and business front are properly met.
3
Plan of Action/Lifestyle: Amassing a comprehensive financial plan that includes strategic investment allocations, savings metrics, liquidity needs, retirement income goals and more to guide you towards your goals and live the life you desire.
4
Investment Management: Developing a quantitatively sound portfolio allocation strategy that evolves with the macro-level shifts in the economy, detailing holdings, risks, and alpha seeking opportunities.
5
Business Planning: Formulating strategies and offerings, defining overarching objectives, optimizing capital structure, managing retirement plans and readying the business for legacy plans.
6
Legacy Planning: Assisting clientele in establishing sound estate plans, trusts, and plans for loved ones, including tax efficient charitable giving and foundation creation.
7
New Ventures: Analyzing opportunities for exit planning, business acquisitions, and conducting business valuations.
8
Resources: Coordinating with advisors and contacts, including beneficiaries, trusted contacts, CPAs, attorneys, and other professionals.