MONEY MANAGEMENT
Provident Capital Management (PCM) invests your account(s) with the goal of capital appreciation in up markets and preservation of capital in down markets. PCM offers the following investment choices in managing discretionary and non-discretionary separate accounts:
- U.S. Fixed Income Account
- Global Balanced Account
- U.S. Equity Large Cap Growth Account
- U.S. Equity Large Cap Value Account
- U.S. Equity ALL Cap Value Account
- International Exchange Traded Fund Account
- Sector/Industry Group Rotation Account
FINANACIAL PLANNNING
Investment Planning
PCM offers investment planning services to individuals, institutions, not-for-profit organizations and endowments or foundations. Investment Planning Services typically include:
- Personality Risk Profile
- Investment Policy Statement
- Investment Recommendations
- Investment Manager Search, Selection and Due Diligence
The process begins with the administering of a personality profile that provides insights into financial traits that affect how you earn, spend, save and invest money. PCM uses this information to determine your risk tolerance level.
The Investment Policy Statement is a written document that articulates the specific goals and objectives for your investment plan, as well as your risk tolerance. Having a written investment policy makes your ongoing investment management much easier. You now have a track to run on and a framework to guide your decision making process.
Investment Evaluation
PCM offers evaluation services to individuals, institutions, not-for-profit organizations and endowments or foundations. Evaluation Services typically include:
- Goals, objectives and risk tolerance analysis
- Historical Performance Evaluation
- Investment Recommendations
- Investment Manager Search, Selection and Due Diligence
- Performance Measurement and Monitoring of Investment Manager
Historical performance evaluations involve the gathering of five to seven years of your financial data. This data is evaluated against suitable performance benchmarks. This information may be used by you to determine the effectiveness of your current investment manager.
Retirement Planning
The personal retirement planning service begins with an intensive fact-finding session. This session helps your PCM advisor become totally familiar with you and your current financial situation (including employer retirement plan options, income taxes, investments, insurance, estate affairs, and family circumstances) as well as your retirement goals and priorities for the years following your retirement. Working from this comprehensive information, your PCM advisor prepares a detailed retirement plan that documents your situation, identifies all areas that will be impacted, and makes specific goal-oriented recommendations.
PCM’s recommendations are geared toward increasing your cash flow, prudently reducing income taxes, and if necessary, positioning or repositioning investment assets in line with your risk tolerance and capacity so that you can prepare for and transition into your retirement with greater confidence and peace of mind.
Estate Planning
PCM’s personal estate planning service is a comprehensive plan that provides you with:
- Quantitative Estate Tax and Settlement Expense Analysis
- Analysis of how assets are titled and how assets will coordinate (or not) with existing documents
- Summary of Goals and Objectives that can be accomplished with good planning
- Summary of the types of questions your attorney may ask you
A Quantitative Estate Tax, Settlement Expense and Title Analysis is provided to you through PCM’s proprietary estate planning software. You will receive a summary of estimated estate tax and settlement expenses based on your existing estate planning documents and how your assets are titled. Specific recommendations to reduce these settlement and estate tax costs are provided.
The Summary and Prioritization of your estate planning goals exposes you to the many planning options you have for leaving your estate to your heirs and helps you determine your priorities.
Quantifying your potential estate tax and settlement expenses, as well as the amount of savings that could be achieved through implementation of the recommendations, helps you understand what a significant financial difference a good estate plan can mean for you and your loved ones.
Please visit our other business, Provident Lending, Inc., to obtain access tp mortgage tools, resources, and loan information.
