Personal Wealth Management Services

Everything we do in the planning process is focused on clarity, confidence, and goal-driven direction.

Our first consideration is where our clients want life to take them; and second, on how they want to live while getting there; then we analyze their present circumstances, resources, and develop a written financial plan; and finally, we recommend strategies to help accomplish these goals and steps to keep them focused on the path to realizing their dreams, even if their dreams change over time.

The ARGI team will schedule regular meetings with clients and assist in the management of their financial affairs. We will regularly evaluate plans, always adjusting and revising according to current circumstances.

ARGI’s proactive tax planning services take the stress out of tax returns and create effective tax planning and execution.

Our personal financial plans approach the area of income tax planning in two ways. First, our base plan helps clients implement simple yet powerful income tax reduction strategies where applicable. Second, where a more advanced income tax reduction plan would provide meaningful savings, we include a recommendation for clients to discuss their situation with ARGI’s tax specialists.

ARGI’s tax team can assist in the preparation of income tax returns, so our clients are able to utilize ARGI as a one-stop shop during tax season. If requested, we can counsel clients on income tax questions, including planning, reduction strategies, and representation in tax audit controversies.

We support our clients’ relationships with their current CPA by providing planning and strategic advice while supporting the CPA in the tactical implementation of this advice.

Choosing the right insurance should be easy — but the volume and complexity of personal insurance products makes it much harder. ARGI’s insurance specialists can help our clients make the right insurance choices for them, their businesses, and their families.

Our Insurance Specialists work with our financial advisors to help protect our clients, their families, and their assets. Some of the types of insurance we include in our planning and review process are:

• Life
• Long-Term Care
• Annuity Options
• Disability Insurance

We also have the ability to craft personalized solutions for high-net-worth individuals, such as life insurance as an asset class within a portfolio*, or overfunded life insurance policies. These strategies can be used in some specific cases, but may not be right for everyone. Our clients work closely with our advisors to find the solutions that work best for them.

All financial plans have risks; the risk of market volatility, tax erosion, loss of ability to provide income for dependents, increasing education costs, rising health care costs, and longevity to name a few. ARGI’s Risk Management team helps clients manage specific financial risks in their portfolios, so they can retire financially independent and meet their legacy and charitable goals.

These risks vary depending on the client’s goals and stage of life, therefore our team works closely with the financial advisor to be sure every opportunity is tailored to the client’s specific objectives.

We are aligned with exclusive distribution groups, which allows us to focus on client’s wants and needs without concern for proprietary company relationships.

*Insurance products are not a part of ARGI Investment Services portfolios.

ARGI’s team provides experience, knowledge, and collaboration, all focused on serving the long-term needs of our clients.

Our Wealth Management Council is open to a diverse mix of seasoned and early-career professionals from each of ARGI’s service divisions.

The council collaborates to develop solutions that we feel are relevant to our clients’ goals. This multi-disciplinary approach is just one of the features of working with ARGI, resulting in tailored plans and solutions that can potentially allow our clients to build long-term financial security.

Our Wealth Management Council covers a wide range of relevant topics:

• Investments
• Asset Allocation
• Investment Solutions
• Tax Efficiency
• Withdrawal Planning
• Executive Stock Option Management
• Insurance Solutions
• Guaranteed Income Planning
• Estate Planning
• Multi-Generational Planning
• Social Security / Medicare Planning
• Education Planning
• Gifting / Charitable Contributions
• Business Management and Accounting Services
• Tax Planning
• Business Planning
• Retirement Plan Services
• Business Exit / Succession Planning

If you have a unique or complex situation you would like ARGI’s Wealth Management Council to review, please contact us for a complimentary consultation.

We work tirelessly to make the best investment decisions we can, with our clients’ best interests at our core. No matter how smooth or how rough the sailing gets, our lines of communication are always open.

The ARGI Investment Committee seeks to provide our investment management clients with consistent performance, top-quality service, and value-added strategies across a range of investment disciplines. In managing client portfolios, we adhere to established investment disciplines and balance the pursuit of return with careful risk management.

We believe that our collaborative work environment is a key reason ARGI is able to attract and retain talented investment professionals. We are distinguished by the depth, continuity, and collaboration of our senior management and Investment Committee members. We consider that having talented people, engaged and committed over the long term, is a powerful competitive advantage.

ARGI’s Investment Committee meets regularly to review market conditions, review research compiled by the Investment division, introduce portfolio recommendations by the sub-committees, and vote to implement decisions designed to improve investment performance in line with each strategies stated goals and policies.

ARGI’s core philosophy is to manage client portfolios adhering to established investment disciplines and balance the pursuit of return with the careful management of portfolio risk.

We offer an assortment of in-house ARGI Managed Portfolios using ETFs*(Exchange Traded Funds) for our Core Allocation Strategies and rules-based quantitative individual stock selection for our Premium Portfolio Strategies.

ARGI’s Investment Approach is accomplished by a seasoned and experienced Investment Committee that meets regularly.

Our strategies are based on consistent application of a disciplined, repeatable investment process. This process includes in-depth quantitative analysis as a primary basis for our investment decision making, along with time-tested principles of investing that emphasize risk management and the pursuit of long-term returns. Our capabilities encompass a broad range of equity, fixed, and, where appropriate, alternative strategies.

Asset allocation is at the core of determining an appropriate risk / return and asset allocation profile. Quantitative in nature, each global asset strategy starts with a target asset mix based on historical performance statistics, forward-looking simulations, and long-term projections. Each asset allocation mix is ranked by risk profiles ranging from 1–6. Profile one carries the lowest volatility, or risk, and six the highest.

All managed accounts are reviewed on either an annual, semi-annual or quarterly basis (depending on Core portfolio strategy) to determine what, if any, rebalancing should occur to maintain a risk profile in tolerance criteria for each asset class.

The Investment Committee regularly analyzes the portfolios with the effort of minimizing investment expenses. For example, Exchange Traded Funds (ETFs) are an integral part to all ARGI Core Asset Allocation Strategies and have low internal costs.