At Hyland Financial Planning we believe that markets are largely efficient so rather than try to beat the markets we use the markets to work for you. We create an investment plan based on market principles, informed by academic research, and tailored to a client’s needs. Along the way, we help clients focus on actions that add value including managing cost, maintaining broad diversification and periodically rebalancing. We encourage clients to stay disciplined through various market conditions. We build well diversified portfolios with low cost institutional mutual funds and exchange traded funds. Before we invest funds on your behalf, we will review your goals, tolerance for investment risk, time horizon, tax brackets and considerations, and any unique needs that you might have.
We will save you time by helping you create necessary accounts to reach your goals. We will automate savings or distributions from these accounts, so you can focus on what you enjoy.
Using various tools and personal interviews, we will determine an adequate level of investment risk that needs to be taken to reach your financial goals. We look to incorporate uncorrelated assets into client portfolios to minimize risk as much as possible for a given level of return. Hyland uses a combination of equities (stocks), fixed income (bonds), and REITs (real estate investment trusts) of multiple nationalities, market capitalization, credit rating, and duration to maximize diversification in client’s investments
401(k) Rollovers and account consolidation
If you’re leaving your job for a new employer, it’s important to address rolling over your old 401(k). Hyland Financial Planning will weigh the pros and cons of leaving your retirement account at your former employer or moving it to an Individual Retirement Account (IRA). Rolling over a 401(k) with a high expense ratio into a lower cost Individual Retirement Account (IRA) could save you a substantial amount of money.
Rebalancing is about balancing risk and return. Over time, your portfolio may move out of alignment with your goals. At Hyland Financial Planning, we rebalance all of our clients portfolios quarterly to ensure that your accounts stay in line with your investment goals.
Review your corporate retirement plan
Hyland Financial Planning will review the investment options inside of your companies 401(k), 403(b), 401(a), 457, SEP IRA, or SIMPLE IRA. With this information we will help you avoid high expense investments and choose the optimal mix of funds for your investment goals.