People in the financial field frequently discuss the long term: "Long term, we believe such and such." Alternatively, "In the long run, this is likely to happen." However, no one can agree on what the term "long term" refers to. Are they referring to a period of five years? Ten years? Is it more than a year?
The work we undertake for you at Aldwin Callen is focused on making the most of your assets over time to support the life you want. Long term is defined differently depending on the aim - investing, financial planning, trusts and estates. Let's take a deeper look:
Management of investments. Our global economic estimates, which guide our strategic asset allocation and other major investment choices, cover the next ten years. We also take advantage of near-term possibilities (within the next two years) to take tactical positions, which are frequently aimed toward reducing portfolio risk or capitalizing on market anomalies. The end result is an investment portfolio designed to survive a full market cycle (both up and down) while capitalizing on short-term opportunities.
Financial and tax planning: We develop comprehensive financial plans based on your requirements and objectives. Plans contain an annual component but are created with a 40-year time horizon in mind. We answer the following crucial question for each customer, among many others: what level of expenditure is sustainable for the next 40 years given your existing assets and predicted investment returns? These long-term estimates are revised on an annual basis to reflect changes in your lifestyle and market conditions. The end result is a realistic, precise financial plan that serves as a basis for any goals you have in life.
Important Information
Aldwin Callen's wealth management may provide you information about its products and services through this material. The information presented here may not be appropriate for all investors, and there are risks associated with making an investment based on the ideas presented.
This document may contain information regarding Aldwin Callen' brokerage and investment advising services. We encourage clients to speak with their Aldwin Callen representative about the products and services they are considering and to clarify any questions they may have about the distinction between brokerage and investment advisory services, including the obligation to disclose conflicts of interest and act in their best interests.
Aldwin Callen may hold a position for itself or one of our other clients that is inconsistent with the information, opinions, estimates, investment strategies, or viewpoints contained in this paper. Aldwin Callen or its affiliates may maintain a stake in or operate as a market maker in any of the financial instruments discussed herein, or act as an underwriter, placement agency, advisor, or lender to such issuer.
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