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Designing A Financial Plan To Fit You Starts Now!

Let’s find out if your portfolio is aligned with your Risk Number.

Does Your Portfolio Fit You?

Free Portfolio Risk Analysis

Services
How Can We Help You?

We offer a wide variety of services all geared to help you with your financial goals.

Need Help With A 401K Rollover Or IRA Transfer?

Take control of your old 401K  or IRA today. Let DATCU’s Wealth Management Department Help you.

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Looking To Lock In A Long-Term Fixed Interest Rate?

  • Competitive Interest Rates locked-in for up to 7 years
  • Account is insured up to guaranteed amount
  • Ability to make withdrawals each year up to certain percentage of your account value
  • Conservative addition to overall retirement portfolio and current CD holdings
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What is Your Risk Number? Does Your Portfolio Fit You?

  • Are your investments in alignment with your personal Risk Number?
  • Everyone has a Risk Number whether they know it or not. Your tolerance for market volatility is unique.
  • The Risk Number helps us determine exactly what speed you want to be driving when it comes to your investments.
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Financial Wellness Check-Up

Here Is What We Will Cover During Your Wellness Consultation.

  • Analyze your current investment portfolios and interest-bearing accounts.
  • Determine if you are on track for your goals.
  • Provide recommendations on how your investments may be improved and your interest rates maximized.
  • Compare your existing investment portfolios and your accounts earning interest to our customizable investment portfolios and offerings.
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MODEL WEALTH PORTFOLIO

Client Centered

Your unique needs and goals require a customized approach that considers your place in life today and where you’re headed in the future. But customization isn’t enough. The most successful investment strategies are also built on a consistent, disciplined process put in place by a team of experienced professionals.

One way that we can plan for each stage of your financial life is to consider a platform called MWP: Model Wealth Portfolios. We can use MWP to build a comprehensive investment strategy focused on your financial preferences and objectives. It offers a range of solutions and the ability to mix and match models for a portfolio that aligns with your risk tolerance, timeline, and goals.

Model Wealth Portfolio

Model Wealth Portfolio

MWP is an investment platform that offers portfolios from a variety of professional money managers, each of whom provides a specialized philosophy, process, and market outlook. These money managers follow well-defined, repeatable processes for building and managing portfolios, while considering the long-term risk-return expectations for the investments they include and employing sophisticated screening methods to narrow the universe of investment options.

Many of these managers are institutional strategists who build portfolios for large foundations or endowment funds. In many cases, individual investors can only access these strategists through million-dollar-plus investments. With MWP, you get access to these institutional strategists through a starting investment minimum of just $25,000.

We will work with these managers in MWP to create a customized investment strategy designed to address your specific needs.

Client Centered

It Starts with a Team

MWP allows us to oversee your account by partnering with strategists. We will be the “manager of the managers” and combine strategists in the most optimal way to help you pursue your goals.

Instead of selecting each individual investment on my own, we will be working with a team to construct your strategy.

High-Level Service

By working with the MWP strategists, we can spend more time looking at your situation, needs, and goals from a holistic level. As the director of your financial strategy, we can focus all of my energy on you and providing you the services you need and want to work toward your goals.

Greater Alignment in Objectives

Partnering with money managers means we can work alongside you to determine the best strategy for your unique situation. We collaborate today, but with MWP, we’ll be able to work together to collectively choose money managers, putting us on the same side of the table.

Consistent Fees

Through MWP, you won’t have to pay trading commissions or individual retirement account (IRA) maintenance fees.

Institutional Access

Using MWP means we can work with products and asset classes that institutional firms and the ultra-high-net-worth use. We’ll also have access to investment vehicles like boutique mutual funds and exchange-traded products (ETPs).

Automatic Services

You’ll get access to important features like re-balancing and tax-loss harvesting. Over time, your portfolio may drift from its intended allocation due to market movements, so the money managers will monitor your account to ensure it’s re-balanced to stay within the risk profile we select together. Tax harvesting allows us to sell securities at a loss if needed to offset capital gains and potentially reduce your tax impact.

Proven Process, Experienced Managers

With my assistance and guidance, MWP can help you work toward realizing your goals through an asset management strategy that provides a disciplined investment process backed by turnkey resources and experienced strategists.

There is no assurance that the Model Wealth Portfolios discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities will be required to effect some of the strategies. Investing involves risks including possible loss of principal.

*Based on total revenues, Financial Planning magazine, June 1996-2018

There is no assurance that Model Wealth Portfolios are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

To the extent you are receiving investment advice from a separately registered independent investment advisor, please note that LPL Financial is not an affiliate of, and makes no representation with respect to, such entity.

This material has been prepared by LPL Financial LLC

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