In addition to our excellent investment selections, we’d like to show you a few other ways in which we add value. We could highlight our excellent customer service, or our best-in-class financial planning and long-term estate and tax planning services, however, the scope of this “value add” will be limited to the realm of investment management and highlight the continuous activity going on behind the scenes that sets us apart. Ultimately, we invite you to engage with us on areas of your investment strategy you haven’t yet addressed.

Our skilled Financial Advisors have the training and insight to:

• Understand your investment goals.
• Create an investment strategy to help meet your short- and long-term goals.
• Understand an array of investment vehicles and determine how they might fit into your portfolio.
• Keep you focused on your objectives.
• Monitor your portfolio during all types of market environments.

You may be an investor who has always looked after your own affairs, however, as you amass wealth and your finances become more complex you may find it increasingly difficult to manage. This is when professional financial advice can really help. An experienced financial advisor provides customized portfolio management and discipline, which can better position you to reach your long-term investment objectives and give you peace-of-mind to know your investments are on track.

Vanguard, the well-known investment company, recently completed research showing advisors add value – about 3 percentage points – in net portfolio returns over time. So, we offer you not only peace of mind but also increased investment returns through a number of really important things that we do (really well) to help you.

What are these important things we speak of, you ask? Vandermeer Wealth Management Financial Advisors have the time and ability to evaluate your portfolio’s investments, meet with you to discuss objectives and help get you through tough markets. Specifically, this is achieved through proper guidance, diversification, and intelligent portfolio design all the while reducing cost and risk. We recognize these as critical elements in investing and all of these factored together could add value to your net returns (returns after taxes and fees) over time.

Vanguard has aggregated significant advisor research and then broken it down into a series of smaller soundbites highlighting the value a Financial Advisor provides. We’d welcome you to take a look at each one (below), especially the last one entitled “Prepare for a Meaningful Conversation” as we’d love to meet with you to talk more about the important things in your life.

Enjoy and we look forward to talking soon.

Start with a solid financial plan	Determine a suitable asset allocation	Maintain discipline during market volatility	Prepare for a meaningful conversation
A carefully conceived financial plan is a must-have for every investor. It contains a wealth of information, including your short- and long-term objectives, risk aversion and anticipated savings rate. A financial plan can also help you stay disciplined through up and down markets. It can help reduce your anxiety during tough market conditions, confirm your progress and help you stay on track.	The theory is simple enough: The more risk you are willing to assume, the higher the expected return. The challenge, though, is selecting an asset allocation that will provide the returns you require to meet your long-term financial goals and sticking to the allocation through up and down markets. Work closely with us to determine an asset allocation that’s right for you.	Short-term stock market volatility can cause us to lose perspective. In times of market volatility, you may see alarming fluctuations in your account balances, making it tempting to adjust your asset allocation in search of calmer waters. Yet it’s important to consider the performance of a balanced portfolio over time.	When you talk about money, you’re really talking about your hopes, dreams and concerns for the future. This brochure provides questions to prepare for your next discussion with us.