Consultative Process

On Target Wealth Client Portal

Our Client Portal let's you access your account information. Click on a logo in the box on the right to login.

ClientPortal

“Diversification is your
buddy.” - Milton Miller

“I started with nothing. I still
have most of it.”
– Michael Davis

“Sometimes the best
investments are the ones you
don’t make.” - Donald Trump

“A major problem these days
is how to save for your
children’s college education
when you’re still paying for
yours.” – Davis Campbell

“Make use of time, let not
advantage skip.”
– William Shakespeare

“God created economists to
make weather forecasters
look good.” – Anonymous

“Inflation is when the buck
doesn’t stop anywhere.”
– Anonymous

“If only God would give me a
clear sign! Like making a
deposit in my name in a
Swiss bank account.”
– Woody Allen

“The rich are taking their
advice from financial
advisors. The poor are
getting their advice from
Money Magazine.”
– Robert Veres

“Our favorite holding period
is forever.” - Warren Buffett

“A study of economics usually
reveals that the best time to
buy anything is last year.”
- Marty Allen

“If you don’t know where you
are going, you’ll probably end
up somewhere else.” - David Campbell

“Money doesn’t buy
happiness. The fellow with
$50M is no happier than the
fellow with $40M.”
– Anonymous

Sub Menu

Market Snapshot
On Target News: November 01, 2008
OTWP Officially Opens
October 01, 2008
OTWP Secures Office
July 08, 2008
OTWP Indiana Approved
June, 18 2008
OTWP Formed
Quick Client Login
Podcasts of Note: "Why Dimensional"
- Dimensional brings financial science to the practical world of investing.

"Behavioral Biases"
- Research indicates that humans are not naturally wired for prudent, long-term investing.

"Government Intervention and Stock Returns"
- Should equity investors be alarmed by the prospect of greater government intervention in the US economy?

“What Should Investors Do Now?”
– Weston Wellington returns to the topic with a multi-part series on what investors should consider as they move forward.
“Vanguard Founder Gives Investment Tips”
– Washingtonpost.com video interview with Jack Bogle of Vanguard – 2/25/2009
“Stock Picking vs. Index Investing”
– From Yahoo! Video Tech Talk.
“Is It Different This Time?”
– Weston Wellington, DFA VP, offers perspective on the 2008 bear market.
“Noble Thinkers: Theory, Practice and Implementation”
– The American Finance Association and Dimensional Fund Advisors present a documentary on the work and ideas of five recipients of the Nobel Prize in Economics.
Recent Articles: January, 2010
Inefficient Markets Are Still Hard to Beat
October, 2009
Staying Calm in a World of Dark Pools, Dark Doings

October, 2009
Active Management Loses in Risk Study
August, 2009
SPIVA Report Year-End 2008
March 24, 2009
Yes, diversification works - eventually
Feb. 22, 2009
The Index Funds Win Again
Jan. 8, 2009
Six Lessons for Investors
Oct. 17, 2008
Buy American. I Am.
Oct. 15, 2008
Is Pessimism Good News?

Fama/French Forum

Observations, opinion, research and links from financial economists Eugene Fama and Kenneth French.

Consultative Process

The On Target Wealth Partners client relationship process is truly consultative. Most typically individuals encounter advisors trained to sell financial products. OTWP distinguishes itself from the competition by focusing on the long-term best interests of the client versus quick transactions.

In more detail, the OTWP wealth management client relationship has three main components:

A consultative process to establish close relationships with clients marked by full disclosure and ongoing honesty. A detailed understanding of client goals and financial needs is paramount.
Customized solutions designed to fit the needs of the client. Every client has a different set of variables that require consideration in potential wealth management solutions
An ongoing commitment to reassess needs and work closely together to keep the plan current and relevant. OTWP wants a long-term relationship.

While no client onboarding process follows the exact same steps, the OTWP advisor/client “Go Team!” progression typically involve these critical components:

On Target Wealth Partners

Go Team! Consultative Process

Phase I

Discovery

Discovery is an opportunity for in depth introductions of the client and the advisor. What are the values, relationships, dreams, and attitudes of clients? Is there a potential fit of services and investment philosophy between OTWP and the client? May OTWP review your current investment situation?

Phase II

Analysis and Recommendations

OTWP reviews a client’s current investment portfolio for strengths, weaknesses and makes broad recommendations. Recommendations will summarize Phase I components and address needs with respect to risk, return, time horizon, cost structure, tax implications, diversification, and asset class allocation.

Phase III

Mutual Commitment to Team

Questions are answered as to how the advisor/client relationship will work, agreement is made as to a philosophy match, and a timeline is established for implementation. Specifics of plan are outlined and written Investment Policy Statement is constructed and agreed to by both parties.

Phase IV

Implementation

Communication is significant. Numerous required forms will be completed to permit the formal client initiation and/or investment transfer process. OTWP implements strategies. Client becomes familiar with process, client access portal for 24/7 account access, and a long-term relationship is forged.

Phase V

Ongoing Teamwork

Client defines the level of communication desired. OTWP continuously monitors progress of the investment and financial plan. Quarterly reviews are made, rebalancing is considered, progress is evaluated, and new strategies are considered for integration into the master client plan. Ongoing customer service is provided and the OTWP/client relationship grows through mutual sharing and honesty. Changes are implemented as necessary to address the multitude of variables that life events dictate.