WILMINGTON SERVICES

At Zermatt Wealth Partners of Wilmington, we provide expert assistance in the following areas:

Investments

  • Exchange Traded Funds
  • Model Portfolios
  • Bonds
  • Common Stock
  • Debit Card
  • Educational IRA
  • Brokerage Accounts
  • Check Writing
  • Traditional IRA
  • Roth IRA
  • SEP IRA
  • Simple IRA
  • Treasury Bills
  • Government Securities
  • Treasury Notes

Financial Planning

  • Retirement Plans
  • Tax Plans
  • 401k Planning
  • 403b Planning
  • College Plans
  • Estate Plans
  • Money Management
  • Money Purchasing Plans
  • Profit Sharing Plans

Fiduciary Services

  • Fee Analysis
  • Fund Analysis
  • Benchmark Services
  • Investment Policy Statements

Financial Planning

  • Retirement Plans
  • Tax Plans
  • 401k Planning
  • 403b Planning
  • College Plans
  • Estate Plans
  • Money Management
  • Money Purchasing Plans
  • Profit Sharing Plans

Fiduciary Services

  • Fee Analysis
  • Fund Analysis
  • Benchmark Services
  • Investment Policy Statements

INVESTMENT PROCESS

The beach is open 52 weeks of the year, but here in Wrightsville Beach, NC, you can’t always enjoy the weather and soak up the rays in your bathing suit. The stock market is open 52 weeks a year, as well. Should your portfolio be the same no matter what the conditions?

We use three different time-based indicators to determine the current stock market environment and adjust your portfolio accordingly.

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Positive Market Conditions

Green Flag – Bull Market Conditions, market is trending higher, and everyone is making money. Maximum stock market concentration. You want to ride volatility in positive market conditions.

Negative Market Conditions

Red Flag – Bear Market Conditions, market is trending lower, and everyone is losing money. Minimum to no stock market concentration. Avoid volatility in negative market conditions.

Neutral Market Conditions

Yellow Flag – No Discernable Market Condition, market is up one day and down the next. Some market participation is required but timed strategically.

Financial Planning Process

Our Client Centric Planning Process focuses on providing options at life’s transition points: Problem Resolution for life’s little surprises and/or Future Direction to help you discover what is next. Our planning is real time guidance. Like a GPS, planning sets your course, defines the turning points and monitors your ability to stay on course. Should you lose your way, our financial guidance will help you through the “re-routing process”. Some people choose to go without planning, which makes life’s transition points less identifiable and possibly more painful.

The right planning path is more tied up in your personality, then if, one path leads to a better outcome than another. The two paths can be summed up in two brief questions:

Are you looking for direction? or Are you trying to solve a specific problem?

In some instances, maybe both. So, the first step in determining the type of help you need, is to determine which advice path you are interested in exploring. So, let’s, examine them separately.

Problem resolution reminds me of a battle. ou know what the problem is and now you need to name it, so you can understand it, to determine the potential ways to solve it.  We look at this through the lens of “Life is a Battle” because good decisions make wins and bad decisions make losses. The only way to get ahead is to have more wins than losses. Our job is to stack the deck in the win column.  We help people explore potential problem resolution strategies to help you determine the options you like with the highest probability of success. There by, reducing the potential risks of both inaction and/or the wrong action.

Future Direction is forward looking by nature, self-exploration. However, looking forward cannot be done in a bubble. One must understand their past to properly direct their future. Pursuit of excellence requires introspection as well as projecting forward. Where am I going? Am I on the right path? Am I living true to who I believe I am? These questions will prove difficult without looking backward to go forward. People who choose this financial planning path are looking to pursue their personal excellence. They want help, in discovering what they should pursue, as well as a plan designed to keep them on track of their pursuits.

Retirement

Where will your retirement money come from? If you’re like most people, qualified-retirement plans, Social Security, and personal savings and investments are expected to play a role. Once you have estimated the amount of money you may need for retirement, a sound approach involves taking a close look at your potential retirement-income sources.

Investment

Investing should be easy – just buy low and sell high – but most of us have trouble following that simple advice. There are principles and strategies that may enable you to put together an investment portfolio that reflects your risk tolerance, time horizon, and goals. Understanding these principles and strategies can help you avoid some of the pitfalls that snare some investors.

Estate

Effective estate management enables you to manage your affairs during your lifetime and control the distribution of your wealth after death. An effective estate strategy can spell out your healthcare wishes and ensure that they’re carried out – even if you are unable to communicate. It can even designate someone to manage your financial affairs should you be unable to do so.

Insurance

Insurance transfers the financial risk of life’s events to an insurance company. A sound insurance strategy can help protect your family from the financial consequences of those events. A strategy can include personal insurance, liability insurance, and life insurance.

Tax

Understanding tax strategies and managing your tax bill should be part of any sound financial approach. Some taxes can be deferred, and others can be managed through tax-efficient investing. With careful and consistent preparation, you may be able to manage the impact of taxes on your financial efforts.

Money

One of the keys to a sound financial strategy is spending less than you take in, and then finding a way to put your excess to work. A money management approach involves creating budgets to understand and make decisions about where your money is going. It also involves knowing where you may be able to put your excess cash to work.