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Our Process:At Tuve Investments we bring you
best in class individualized financial strategies, specially designed to help
you meet your goals. Below you will find an outline of our wealth
management processes. These processes always begin with a thorough
analysis of your complete financial picture and the creation of a personal
wealth plan. We will monitor your progress with you though regular personal
reviews.
Our Insurance Process:The insurance world
is one that many people do not get very excited
about. However, most people realize that
insurance can play an important role in helping
them realize their
financial goals and protect their loved ones. This is why we have developed our
unique and innovative approach to providing insurance solutions. We
provide three primary lines of insurance protection
which include
Life Insurance, Long Term Care, and Disability Income. Within these areas we
have developed processes to ensure you receive the best value for your premium
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Our Investment Process: Our investment process is
based on fifty years of cutting-edge financial research from leading academic
scholars. Years of research have uncovered valuable information about how
markets work and ways to potentially improve your investment results by reducing
risk while enhancing returns.
We design our investment portfolios based
on this research and stay updated on the latest findings so
that we can implement
them in our client's portfolios. To implement these findings we utilize low
cost institutional class investment vehicles. We use
firms such as Dimensional Fund Advisors (DFA) to provide low-cost investment strategies
and solutions.
In implementing our portfolio design, we utilize tax
management strategies to reduce portfolio turnover and harvest tax losses where
it makes sense. Through our tax sensitive investment strategies we can greatly
reduce the returns that are lost to taxes.
We design investment
portfolios based on the following five principles:
- Risk and Return are related. (There is no free
lunch)
- Mixing low and non-correlated asset classes reduces
portfolio risk.
- Asset allocation is the primary determinant of
investment performance.
- Attempts to time the market neither increase
returns or decrease risk.
- Over time, an appropriate level of international
exposure provides increased returns and lower risk as compared to a domestic
only portfolio.
As with all of our services our investment
portfolios are individually tailored to meet the needs
of each client. As your
situation changes, we will make the necessary adjustments to meet your
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Life Insurance:Life Insurance is a critical
financial asset for many people and can play many different roles in the
financial planning process. Traditionally, the Life Insurance marketplace has
not been consumer friendly as agents represented only one or a small handful of
companies. At Tuve Investments, we take a different approach to life insurance
that is completely company neutral and provides our clients access to over 80
different insurance carriers so that you can rest assured that we are working
in your best interest.
Many policy holders and trustees fail to review
the performance of their life insurance policies. Like an investment portfolio
an insurance portfolio should be reviewed regularly to ensure the policy is
performing as planned and is still the most competitive in the marketplace. With
advances in medical science, life expectancies have dramatically increased, and
this has resulted in many policy holders overpaying for coverage. To help make
sure you have the most competitive solution in the market we can provide a
comprehensive Life Insurance Audit. To learn more
about our Life
Insurance Audit contact Tuve Investments today. |
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Disability Insurance:For many people, their most valuable asset is their ability to earn an income. Despite this fact, many
people fail to protect this asset with disability income insurance.
We
work closely with our clients to develop a disability income strategy that will
protect their family, business, and their lifestyle. With access to many
innovative solutions, we can help you protect what you have worked so hard to
achieve. |
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Long Term Care Insurance:With life expectancies
increasing at an amazing rate, the need for long term medical services such as
home health, assisted living, and nursing home care has never been greater.
This demand has driven the annual cost of nursing care to more than $66,000 per
year. In order protect the assets you have spent your life building and ensure
that
you receive the care you desire, Long Term Care Insurance can play a critical
role.
We provide access to the country's top Long Term Care Insurance
providers and can shop the marketplace to get you the best value. |
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