Welcome to Investment Insight Wealth Management – Your Personal Financial Advisor!

How Can Wealth Management Benefit You?

• You can enjoy life, doing the things that you like to do when you hire a Financial Advisor

• You can have greater peace of mind knowing that you are addressing all of your financial needs with experienced, knowledgeable professionals

• Our professionals can advise you on a number of areas including; financial and retirement planning, education planning for your family, investment portfolio management, estate and business succession planning.

• Wealth Management can provide you with smart, sophisticated investment advice

• A Financial Advisor can integrate all of your financial programs into one centralized strategy often resulting in lower taxes, lower investment expenses and greater diversification

• A Financial Advisor can coordinate your strategy implementation and communication between your other professionals such as accountants and attorneys

• Through regularly scheduled meetings a Financial Advisor can monitor your financial goals and update you on events that may affect your plans

Learn About the Five Key Risks to Your Retirement Security!

There are five key risks to every retirement plan that you need to be aware of in order to protect your financial independence during retirement. Make sure you are cognizant of the challenges that face you when retired, or while planning for retirement. It is vital to your success!  Watch our video to learn more!

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About Us

A Financial Advisor That You Can Trust

Investment Insight Wealth Management, LLC is a registered investment adviser. We provide investment advice and wealth management services to individuals, businesses, and retirement plans. Client assets are held at a large discount brokerage firm with robust trading capabilities. The same company will also provide for the safekeeping of client assets and tax records. We serve our clients financial interests with a fiduciary standard of care versus broker dealers, banks and Insurance companies offering non-fiduciary investment assistance. We have over 25 years of investment experience. We are registered with the SEC.

Our firm was founded in 2004 on three basic beliefs that serve as our foundation:

• Investors want to work with an independent firm that will deliver unbiased investment advice

• Investors desire transparency of fees

• Investors desire to work with a financial advisor that puts their needs first

Starting a Relationship with Our Firm

When we begin an advisor/client relationship, the first step is gaining an understanding what’s important to you in terms of your financial goals and the appropriate risk level for your investments. We accomplish this through an exercise in which we do extensive fact finding. Clients reveal their financial aspirations and share information regarding their current finances. We do an extensive analysis, and once completed, we explain in our recommendations and the reasoning behind them to the client. Meetings can be held face to face, or via web based meetings from the comfort of your home or office.

Our Wealth Management Service

Providing individualized services requires that we offer a higher of level of attention to our clients. In order to maintain the level of service that we strive for, we have developed two types of offerings for our clients.

The Investment Management Service is our service offering for those clients who have minimum size investment portfolios of $100,000, and who can afford to have their money invested for at least a 3 to 5 year period. The funds invested should not be funds you may need for liquidity or emergencies.

Our Wealth Management Service offers a higher level of service and attention. Clients are required to have a minimum of $500,000 to invest. The Wealth Management Service is our premier offer with a high touch level of ongoing service.

What Should You Expect as a Client? – Our Client Relationship

• Your financial well being is first and foremost in our work and fiduciary relationship.

• We make sure that we understand your financial objectives, risk tolerance for specific financial goals, and what you are doing now to meet your goals, through in depth fact finding meetings.

• We provide you with a written, in depth analysis of your current financial situation, evaluating all of your financial goals, providing the steps you need to take toward meeting them.

• We provide oversight and guidance toward the implementation of financial programs working closely with your CPA, attorney, or other financial professionals.

• We monitor the different financial markets, the economic outlook and your portfolio on an ongoing basis.

• We provide you with regular updates through client/advisor meetings, either in person, or via a web based meeting.

• Access to your portfolio holdings and personal rates of return are always accessible through our website.

• We have outstanding service capabilities and make sure all service requests are handled expeditiously.

• We are always available to speak with you. We try to return all calls the same day they are made.

• We maintain your privacy and confidentiality in all matters and don’t share information with any parties other than the custodian firm holding your securities and those authorized by you.

What Does the Fiduciary Standard Mean To You?

The fiduciary standard of care means a legal obligation to put the financial needs of the client ahead of those of your own or your firm. It is estimated that only 15% of the financial Industry’s advisers are serving their clients in this capacity.

Non-Fiduciary Investment Assistance

In a non-fiduciary role, investment consultants are free to pursue their own and their firm’s financial interests. Non-fiduciaries include stockbrokers, insurance agents, and bank securities sales representatives. They may have titles like advisor, consultant, financial consultant, vice president, registered representative, and others. They are compensated on a commission basis. Unlike the advisors serving in the fiduciary capacity, they have no legal responsibility to represent your interests, and often times will represent the interests of the firm they are affiliated with. It is perfectly legal and accepted practice for non-fiduciary investment representatives to put clients into the highest commission products. Investors working with firms in this capacity may also be paying hidden fees that are perfectly legal and hard to detect.

Many sales representatives working in this capacity are paid their commission up front when you invest and then have little incentive or financial interest in overseeing your account because they need to find the next sale to get paid.

Serving Clients in a Fiduciary Capacity

Registered Investment Advisors are required by federal and state law to represent their clients in a fiduciary capacity. This means that advisors are held to a standard of conduct that only permits them to act in the best interests of their client. Investment Advisors are required to disclose to their clients any conflict of interest, existing, or potential, prior to engaging the client in an advisor/client relationship.

Registered Investment Advisors are required to furnish all clients with a From ADV which is a disclosure document that discloses all information about the firm. The ADV is also on file with either a state regulator or the SEC. The ADV will disclose all compensation arrangements, conflicts and potential conflicts of interest.

Registered investment Advisors will enter into an agreement with clients that will spell out the nature of the relationship and provide for additional disclosure to clients. The agreement can be ended by either party with no adverse financial consequences to the client. Registered Investment Advisors are typically paid by clients on a quarterly basis.

Portfolio Design

Wealth Management Investment Objectives:

• Growth Portfolio – Primary focus is on making your capital grow, income is a not a concern, comfortable with market fluctuation

• Equity Income Portfolio – Primary focus on making your capital grow; income is a secondary focus; stock portfolio; comfortable with market fluctuation

• Balanced Portfolio – Primary focus on making your capital grow; income is a secondary focus; stock and bond portfolio; comfortable with market fluctuation

• Income Portfolio – Primary focus is for providing immediate income; growth is not a concern, comfortable with a lower level of market fluctuation

• Tax Free Bond Portfolio – Primary focus is for providing income that is free from income tax; growth is not a concern, comfortable with a lower level of market fluctuation

Integration of Assets

Experience has shown us that people sometimes accumulate assets with several financial firms. Perhaps you have 401ks with several former employers, accounts with several banks, mutual funds, brokerage accounts, stock certificates in the safe, etc. While it is a good thing to have accumulated assets, it can become cumbersome to manage all of those accounts effectively. The result can be paying more income tax than necessary and perhaps subpar investment returns for those neglected accounts.

We work with clients to consolidate their assets. This can have several economic benefits. Among them is the possibility of paying less in custodial fees. People are often paying annual custodial fees to several firms resulting in duplication of fees.

Having the right asset allocation is an important part of the investment process from a standpoint of diversification and maintaining a suitable level of risk. This becomes increasingly difficult when you have your money spread out in many places. Unless you utilize a software program which can download information from all of the institutions you work with, knowing how much money you have, where it is invested, and how well it is performing, becomes increasingly difficult and time consuming.

 We have run into many investors who hold individual stock certificates. Hopefully, you are not one of them!  There are many problems inherent to holding stock certificates over a long period of time. Among them are keeping track of splits and spinoffs (we’ve met clients who seem to be missing certificates from spinoffs and aren’t aware that certificates from spinoffs are unaccounted for), and registration changes in the event of ownership changes (ex. individual to joint account) or worse yet in the event of death. Transfer agents will usually require about a dozen pieces of paperwork for each security you own!

Having the wrong class of mutual fund shares can often be very costly to an investor. Funds that are class B or C are often sold by brokers and insurance agents.  They are more expensive to own because the internal management fees that can be much higher other mutual fund share classes.

When we help clients integrate assets we often help them obtain greater control of their asset allocation, as well as pay less in income taxes and custodial fees.

Investment Insight Wealth Management, LLC is a Registered Investment Adviser and Financial Advisor serving businesses, retirement plans and high net worth investors in Massapequa, NY. Contact using our contact page, or call us at 516-249-0060 to speak with someone from our friendly staff.