COORDINATED FINANCIAL SERVICES

CONNECT

Address:

4643 S Ulster Street #960
Denver, CO 80237

Phone:

(303)770-5401

Fax/Other:

(303)770-5404

Our Process

 

Our Financial Planning Process:

At Coordinated Financial Services (CFS) we listen to your goals and desires in order to tailor a financial plan that fits your unique situation.  We hold ourselves to a fiduciary standard when providing advice.  By doing this, we believe that the recommendations given to you are aligned with your best interests.  Our four-step financial planning process is aimed to deliver consistent and repeatable results for the benefit of our clients.  

1.  Introduction and Data Gathering: Our process begins with an initial consultation where we take the time to find out who you are and what matters most to you. Following this initial meeting, we begin gathering data about your financial resources, tax situation, time horizon, estate plan, legal concerns, and other unique needs to quantify your financial position.  At CFS, we make efforts to coordinate with your professional network (e.g. your attorneys, CPAs, and other professional counsel) to perform a comprehensive assessment of your situation.

2.  Presenting Recommendations: We will share our analysis with you and present our recommendation (including other viable options) for you to pursue your financial goals and objectives.  We work closely with our clients to decide on a comprehensive plan of action.  

3.  Implementing Your Plan: After everyone is happy with the decision, administrative items are taken care of to initiate the plan of action.  

4.  Monitoring Your Results: The process does not stop after we execute your plan.  We constantly monitor your results and continually update your financial strategy as circumstances evolve. 

At CFS, we seek to establish life-long relationships to serve your financial needs from one generation to the next.


Our Investment Process:

When interviewing advisors, a good question to ask would be, "what is your investment process?"  Some clients may be surprised with the answer they receive, as some advisors may not have a consistent investment process.  No, financial planning is not all about investments but a consistent investment process is pivotal to the successful execution of a financial plan.  At CFS, we follow a five-step investment process to help our clients work towards their financial goals.

1.  Formulating Our Capital Market Assumptions:  First, we establish capital market assumptions (i.e. our expected risk and return inputs) given the current investment landscape.  In this first step, we analyze the economic environment, valuations, market sentiment, and geopolitical events to determine the areas in the market we expect to deliver attractive returns while accounting for risk.  We use a macro thematic approach to target themes that may be rewarded by the market.

2.  Evaluating Areas of Opportunity:  We then analyze these macro themes to determine the best areas of opportunity.  Thorough diligence is required as we seek to allocate to the countries, sectors (e.g. technology, financial companies, energy, etc.), and asset classes (e.g. large companies, small companies, blue-chip companies, etc.) that are expected to have attractive risk and return profiles.*  

3.  Achieving Our Desired Exposures: Now, it is important to determine how to achieve our desired exposures.  We deliberate between passive management (i.e. indexed products), active management, separate accounts, and individual stocks or bonds.  These decisions are dynamic since different market environments will justify the use of different vehicles.

4.  Portfolio Construction: Now, when you are driving do you look forward or do you look in the rear-view mirror?  Our portfolio management, like driving, is a forward-looking process.  It is important we are not caught looking in the rear-view mirror and dwelling on past returns.  Efficient portfolios (those that maximize returns for each specified level of risk) are constructed by combining only the portfolio assets (and asset classes) that have low correlations with one another.  In other words, we try to own assets where one may "zig" while another may "zag".  By managing a portfolio of "zigging" and "zagging" assets, we can potentially minimize the impact that market fluctuations will have on our client's portfolios. 

5.  Monitoring Your Results:  The world is constantly changing and your portfolio should too.  Our team rigorously analyzes the portfolios, and the investments within, to make sure we are comfortable with the composition of the portfolio and performance of the investments.  We constantly repeat this five-step investment process to equip you with a detailed portfolio capable of navigating the present market environment.

The most important part of this process is that our performance allows our clients to pursue their investment goals.  If our clients are at risk of falling short of their goals, we need to revise the investment strategy or we need to fix the financial plan.

 

*All indices are unmanaged and may not be invested into directly.

Because of their narrow focus, sector investing will be subject to greater volatility than investing more broadly across many sectors and companies.

Stock investing involves risk including loss of principal.

Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price.

International investing involves special risks such as currency fluctuation and political instability and may not be suitable for all investors.