A relationship on your terms.

Work with us the way you want.

Although we have a unique planning process that begins with a very unique, aging scientist created longevity analysis, we want the planning process to be exactly what makes you feel good about where you’re headed.  Our greatest pleasure is being the opposite of what many of our clients felt were stuffy, pushy financial planners before they met us.  Nobody wants to be sold anything – we know that and work hard to bring our expertise to the process, but always with the goal of making every interaction positive, productive and exactly what you want it to be.

 

That said, we do have to have some uncomfortable conversations sometimes – we hope you’re OK with that.  We like to have fun, but designing a long-lasting financial plan is serious business with huge consequences if we get it wrong because we weren’t willing to sometimes tell you things you may not want to hear.

 

Our proven process, should you choose to follow it, is something unique to our firm.  Our unique value is the convergence of aging science and wealth management, so we have a scientific approach to many of the things we do.  That’s why we named our unique planning process ATOMIC planning.

 

Analyze / Assess

Teach

Objectives

Mitigate Risks

Integrate

Calibrate

A

Assess/Analyze is the process of really taking a look at how a client is currently invested to determine risk/return metrics, tax situation, risk profile, etc. This is foundational to being able to help a client – determining the path that they’re currently on to see if there is something you can do to help get them on a better path to success.

T

Teach is the process of educating a client about your findings concerning the path they’re on. Many clients don’t know why they own what they own, if it is actually what they should own and if there is something different they should do to set them up for success.

O

Objectives is the process for really understanding what a client would like to accomplish. This is where you will gain an understanding of risk appetite, sources and timing of income, expenses and learn of any wish-list items a client would like to achieve throughout retirement and what they’d like their legacy to look like.

M

Mitigation is a discussion around why a client would choose to use an advisor in the first place and the risks that are present for retirees (things like market risk, interest rate risk, inflation risk, longevity risk, unexpected healthcare risk, etc.). This leads into a discussion about how creating a unique plan and using different products like annuities and life insurance can help mitigate the risks they face.

I

Integration is the process of presenting a couple of different planning solutions for a client, helping them understand how each plan and product works and what each plan and product accomplishes along with the probability of success of the plan. This allows the client to play a critical role in determining which plan they are most comfortable with and confident in so that all of the financial products (annuities, life insurance, asset-based long-term care, AUM) can be integrated into the plan and implemented for the client.

C

Calibrate is the process of reviewing the financial plan and products on an ongoing basis to determine if anything is out of whack and needs to be re-calibrated. Sometimes market conditions or life changes will bring about a need to make changes to the plan, which could be a tweak or a much more significant calibration.

OUR BROAD SPECTRUM OF SOLUTIONS

  • Individual Equities
  • Dividend Focused Portfolios
  • Exchange Traded Funds(ETFs)
  • Retirement Planning
  • 401(k) Programs
  • Managed Portfolios
  • Health Focused Portfolios
  • Structured Products
  • Account Location Planning

Why trade with Wave Capital?

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  • Direct Market Access (DMA)
  • Leverage up to 1:500
  • T+0 settlement
  • Dividends paid in cash
  • Free from UK Stamp Duty
  • Short selling available
  • Commissions from 0.08%
  • Access to 1500 global shares

Do you know if your money will last throughout your lifetime, if your accounts are structured to reduce taxes, or if your return is compensating you appropriately for the amount of risk you’re taking?

BALANCED PHILOSOPHY

We believe that it’s critical to defend against the devastating impact large drawdowns can have on the long-term growth of an investment portfolio. We therefore develop and implement investment strategies specifically geared toward our client’s unique investment goals as well as their tolerance for risk .

STRATEGY DIVERSIFICATION

Our approach is based on using varied strategies to help minimize downside has its own methodology, our main goal is to avoid largescale losses. We believe that diversification across multiple risk-controlled strategies helps manage wealth for both performance and protection.

RISK-MANAGED STRATEGY

In attempting to avoid large losses, we utilize strategies that emphasize low correlation to broader volatile market activity, whether through hedged equity with the use of protective options, tatical strategies to dynamicallay adjust to market conditions, or other risk management practices.

An abundance of valuable possessions or money

the full extent of something from end to end

Determining the span of your wealth is a critical component of a good financial plan. The process for determining the span of your wealth is multi-faceted but begins with a good understanding of a science-based determination of your projected lifespan. Only after that is determined can a good financial advisor begin to build a plan that will help you get to a place where your wealth spans the entirety of your lifespan and beyond, which we call positive wealthspan.

 

A positive wealthspan is what we should all aspire to achieve, where money is left at the end of our lives so that we have an opportunity to let our wealth live on through our children, grandchildren or any number of charitable causes.

 

Unfortunately, without a good foundation and understanding of the role that lifespan plays in a sound financial plan, you could end up with a negative wealthspan, where your money doesn’t last the span of your life. This is a situation that none of us want to experience.

 

Part of the problem with determining lifespan has been the lack of a good way to scientifically calculate lifespan. Many advisors make assumptions about lifespan based on a random age, like all clients will live to age 95. Other advisors look to life expectancy tables, built using averages, to determine lifespan. However, there is a flaw in using averages, as none of us are likely to live an average life expectancy. We all have different genetics, have made different lifestyle choices, and will have a unique lifespan.

 

That’s why the founders of Wealthspan Investment Management worked with two of the most highly respected scientists in the field of aging and longevity to create a scientific method to get a better determination of the unique lifespan of our clients. Through a series of questions that have been researched and found to be the best determinants of longevity, advisors that work with Wealthspan Investment Management are able to calculate the unique lifespan of a client. Although the calculation isn’t guaranteed to be correct, the research points to a very high degree of reliability.

 

Using this process, advisors have a much better basis for recommendations that will lead to a higher degree of success in reaching a positive wealthspan. This process is much better than using random age or averages when creating financial plans and making recommendations.

 

With this in mind, we have built our investment approach and portfolios around helping clients achieve a positive wealthspan. We use the many years of research of the determinants of investment success to build portfolios that are diversified, yet able to adjust to changing market conditions in order to meet our goal of reducing portfolio risk while achieving a long-term return in line with the benchmarks and goals of our clients.

Investment Approach Methodology

Balanced Philosophy

We believe that it’s critical to defend against the devastating impact large drawdowns can have on the long-term growth of an investment portfolio. We therefore develop and implement investment strategies specifically geared toward our client’s unique investment goals as well as their tolerance for risk.

Strategy Diversification

Our approach is based on using varied strategies to help minimize downside risk. While each of our strategies has its own methodology, our main goal is to avoid large-scale losses. We believe that diversification across multiple risk-controlled strategies helps manage wealth for both performance and protection.

Risk-Managed Strategy

In attempting to avoid large losses, we utilize strategies that emphasize low correlation to broader volatile market activity, whether through hedged equity with the use of protective options, tactical strategies to dynamically adjust to market conditions, or other risk management practices.

Asset Location

Being aware of the tax status of an account and placing that account in an appropriately managed portfolio can have a large impact on the return that account will realize. Taxes can play a big role in reducing the realized return of an account, as return potential is reduced by placing accounts in portfolios that aren’t managed with tax efficiency in mind. Your real return isn’t based on what you make, but what you keep.

Investment Approach – Strategies

We provide a wide spectrum of investment options to help advisors develop and implement actively managed long-term investment strategies of individual investors. We seek to maintain a risk-managed approach toward investing, and our portfolios range from conservative to moderate to growth to allow for investor risk tolerance preferences.

1: Strategic Allocation – All Assets

This is a complete allocation consisting of 6 portfolios, ranging from more aggressive to more conservative. The portfolios will use various blends of low-cost Vanguard Indexed ETFs (holdings such as large cap US stocks, small cap US stocks, REITs, international stocks, etc.). The goal of this allocation is to be low cost, low turnover, tax efficient, and well diversified. This allocation would fall in line with the more traditional asset allocation investment strategy (balancing risk/reward by putting clients in an appropriate portfolio based on their risk tolerance).

2: Strategic Allocation – US Focused

This is a complete allocation consisting of 6 portfolios, ranging from more aggressive to more conservative. The portfolios will use various blends of low-cost Vanguard Indexed ETFs (holdings such as large cap US stocks, small cap US stocks, REITs, etc.). The goal of this allocation is to be low cost, low turnover, tax efficient, and well diversified. This allocation would fall in line with the more traditional asset allocation investment strategy (balancing risk/reward by putting clients in an appropriate portfolio based on their risk tolerance).

3: Kinetic Allocation

This is a complete allocation consisting of 6 portfolios, ranging from more aggressive to more conservative. The portfolios will use various blends of low-cost Indexed ETFs. While these will mostly be Vanguard, there could be a handful of other ETF providers used as well (iShares, SPDR, etc.). The goal of this allocation is to be relatively low cost and well diversified, while having the ability to take advantage of market trends. To determine the weights to use for the ETFs, we use a ranking process based on momentum and volatility. Asset classes with lower volatility and stronger momentum are over-weighted while asset classes with higher volatility and weaker momentum are underweighted. At times, certain asset classes could be removed altogether if market conditions warrant. Also, during periods of perceived market distress, the more aggressive parts of this allocation have the potential to hedge risk by slowly shifting a portion of assets to US Treasury ETFs (this is determined by looking at various factors such as technical indicators, investor sentiment, macro-economic data, etc.).

4: Dividend Focus

This is an individual stock portfolio, focused on selecting companies with higher than average dividend yields from the S&P 500 Index. It is actively managed and will hold 25 individual stocks. To determine which stocks to pick, it will use a screen and ranking process. The screen simply narrows the S&P 500 into only companies that have a yield higher than the Index. After this, the remaining higher yielding stocks are ranked by High Quality (stronger ROE, ROI, ROA, higher asset turnover, stronger profit margins, etc.), Low Volatility (lower beta and standard deviation), Lower Valuations (lower EV/EBITDA), and Higher Dividends (favors companies with higher dividends).

5: Healthcare Focus

This is an individual stock portfolio, focused on selecting companies in the healthcare sector and a few related industries from the Russell 3000 Index. It is actively managed and will hold 25 individual stocks. To determine which stocks to pick, it will use a ranking process based on a blend of High Quality (stronger ROE, ROI, ROA, higher asset turnover, stronger profit margins, etc.), Low Volatility (lower beta and standard deviation), Higher Growth Potential (stronger EPS and sales growth, higher operating income, etc.), and Lower Valuations (lower P/FCF, P/E, P/B, etc.).

6: Focused Growth

This is a portfolio that could include individual stocks and/or ETFs from any asset class or sector of the economy. The portfolio will be actively managed using a common sense approach and will strive to identify those stocks/asset classes/sectors of the economy that are showing the most strength in trend and momentum. The portfolio will explore new opportunities as they present themselves, but largely look to invest in the areas of the market where the most growth is currently being achieved. This is an aggressive portfolio and should only be used for a small portion of an overall investment allocation or for those whose risk profile is aggressive growth.

Putting our clients first -since 1986

For more than 30 years, we’ve been empowering clients by
helping them take control of their financial lives.

Philosophy

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History

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Culture

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Trust the Professionals

We are a group of passionate, independent thinkers who never stop exploring new ways to improve trading for the self-directed investor.

in-team-1

Chief Executive Officer

Cynthia Dixon

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in-team-2

Executive Assistant

Arthur Parker

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in-team-3

Marketing Specialist

Evelyn Mason

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in-team-4

Human Resources

Bryan Greene

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Number speaks

We always ready
for a challenge.

213

Trading instruments

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27

Countries covered

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Do you know if your money will last throughout your lifetime, if your accounts are structured to reduce taxes, or if your return is compensating you appropriately for the amount of risk you’re taking?