Wealth Management with PRINCIPLES
Applying ancient wisdom to modern money management
We Don't Chase Fads
We make investment decisions based on time tested research.
Many are tempted to invest in the next shiny thing, but the data tells a different story.
"Wealth gained hastily will dwindle, but whoever gathers little by little will increase it."
- Solomon
King of Israel,
The Book of Proverbs (1,000 B.C.)
"Thou could not find happiness... in wealth."
- Marcus Aurelius
Emperor of Rome
Meditations (170 A.D.)
Money Is A Tool
Money in and of itself will not satisfy.
We move clients to focus on the things that money can accomplish, from time with family, experiences, and the impact of giving it away.
Focus On What You Can Control
There are factors outside of our control: tax rates, economic forces, market swings, congress, inflation, and wars, to name a few.
But we focus on the controllable: tax planning, asset diversification, saving rates, and emotional stability.
"To make the best of what is in our power, and take the rest as it occurs"
- Epictetus,
Stoic philosopher
Discourses (108 A.D.)
John
Dannenbring, CFP®
Founder
Hello
A few things you should know about me: -CERTIFIED FINANCIAL PLANNERâ„¢ Professional -Personal Finance Lecturer: University of Nebraska-Lincoln -Began my investment career as a 14 year-old (before all of the free trading apps). -I enjoy coffee for the taste, theology for my faith, and history to keep me based.
NO COMMISSIONS
Unlike many advisors, we don't receive commissions for anything we invest our clients in. We eliminate conflicts of interest by aligning our interests with the client's.
CERTIFIED FINANCIAL PLANNER™
Our advisors passed rigorous testing in addition to years of qualifying experience in order to become a CFP® professional.
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Only about one-third of personal financial advisors have the CFP® mark.
INDEPENDENT
Being independent means that we are not beholden to investing clients' money in certain products.
FIDUCIARY
We hold ourselves to the legal obligation of putting our client's interest ahead of our own - at all times. Ask your current advisor if they are a fiduciary at all times.
HOW WE'RE DIFFERENT
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How is tax planning different from what my CPA does?Don't get me wrong, CPA's are vitally important (in fact, I'm married to one!); however, many tax accountants focus on simply minimizing the current year's tax liability, even if it means increasing taxes over the course of your life. We focus on minimizing your lifetime tax burden. This may entail increasing taxes in one year, but likely saving far more tax dollars in future years. We don't file your taxes, but we work together with your tax preparer to make sure everyone is on the same page.
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How do you make money?We charge an annual fee based on the assets we manage, otherwise called an "Asset Under Management" (AUM) Fee. We don't receive any commissions, kickbacks, or other forms of revenue, unlike most financial advisors. This helps eliminate conflicts of interest and aligns financial goals - we make more money as you make more money. Our fees start at: - 1.35% on the first $500,000 under management - 1.00% between $500,000 & $1,000,000 - 0.75% between $1,000,000 & $5,000,000 - 0.65% between $5,000,000 & $10,000,000 - 0.50% on assets above $10,000,000
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Do you meet with clients in person or virtual?Both.
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Can you take clients in other states?Yes. We can work with clients anywhere in the United States of America.
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What services do you provide?Our service include but are not limited to the following: - Retirement Planning (including social security analysis) - Tax Planning - Investment Management - Estate Planning - Insurance Review - Cash Flow Planning
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Are there client minimums to work with you?Yes. We have a minimum of $500,000 in assets that we would manage in order to be a client.