Services

You Have A Vision Of Your Future.
Our Services Will Help You Get There.

FINANCIAL PLANNING
Ramsey & Associates offers a wide range of financial planning services that include a thorough analysis of your financial affairs, assets and liabilities, present and future obligations, and income and investment goals. We advise you on cash flow planning, insurance planning, investment planning, and retirement planning. Our personalized approach will help you formulate and articulate a clear vision of your personal and financial goals.

Life-Planning Projections
As a part of the financial planning process, many clients request that we develop projections based on current situations and various future scenarios. These projections are unique for each client and anticipate the likelihood of financial success and goal fulfillment. The data we use in our projections include:

• Educational funding, from elementary school through college;
• Real estate purchases of your primary residence as well as vacation or income properties;
• Income levels that may fluctuate at different phases of life;
• Retirement-age aims that can be adjusted;
• Contributions to investments, both current and future; and
• Expenses, from home improvement to vehicle replacement.
  

PORTFOLIO MANAGEMENT
Ramsey & Associates manages the equity portion of client portfolios by using a combination of no-load mutual funds and/or separate account managers (SMAs).  For the bond portion, we create individual bond ladders or use no-load bond funds as appropriate.

Asset allocation is the most important long-term determinant of investment results in a given portfolio.  Past performance, stock selection, and timing investments in and out of the market are less influential in achieving long-term results. (Brinson, Singer and Beebower, 1991, 1993) Our philosophy and our experience is that appropriate asset allocation produces favorable results over time.

Ramsey & Associates offers ongoing services to manage portfolios on a year-by-year basis. Our services include financial planning review meetings; phone consultations with you as the need arises; ongoing review of portfolio performance to track emerging investment trends that may indicate the need for adjustments; and quarterly performance statements.

No-Load Mutual Funds
The Ramsey & Associates Investment Committee does an in-depth analysis of all our selected no-load mutual funds after they have already been screened through the respected Morningstar database. Our quarterly mutual-fund review evaluates performance versus indices and similar mutual funds, checks consistency of investing style, and assesses other no-load mutual funds for potential inclusion in our recommendations.

Separately Managed Accounts
A separately managed account has many benefits for the investor with a minimum of $1,000,000 to invest. Unlike mutual funds, SMAs offer separate, individual portfolio management, with the following advantages:

• Securities are held in individual accounts, allowing you to enjoy direct ownership of companies, rather than ownership of shares in a fund.
• You have greater control in customizing your portfolio to suit your needs and objectives. You can make specific requests to the separate-account manager, such as to avoid certain controversial stocks (tobacco, for instance), or to steer away from a concentrated position in your company’s stock.
• Your investments can be better managed for tax efficiency to offset capital gains and losses as much as possible.
• You know what you own in your portfolio anytime, unlike mutual finds which must only report individual holdings quarterly.
• You have greater accessibility to your money manager. A dedicated, responsive team of investment professionals can respond to your requests and questions.
• You gain confidence in investment decisions. Ongoing diligence ensures that managers continue to offer the type and quality of management they have in the past.