What can Owens Financial do for you?

When you select - or change - your investment advisor, you want one who will put your interests above his own. You want an advisor who can eliminate your worries about things like planning for retirement, funding your child's college education, and achieving financial security despite the uncertainties of taxation, health care costs, and inflation. You don't want an advisor whose recommendations can cause you to lose a good night's sleep. You want to call Owens Financial. Here are 5 ways we help you reach your financial goals.

With a comprehensive financial plan

If you don't know where you are going, you probably won't get there. Even with a precise destination in mind, you  are likely to get lost without a map. Others may try first to sell you a specific stock or mutual fund or insurance policy ... or know only the beaten path. We recommend nothing until we assess your values, goals, priorities, spending plans, and current net worth. Then, at your request, we prepare a personalized plan that enables you to get where you want to be. Although some of the concepts and investment alternatives are complex, we explain everything to your complete satisfaction and don't take any action until you approve it.

Unbiased recommendations,

Unlike others, we are completely independent and not tied to specific financial products. We have no sales quota. The only goals we pursue are yours. Our services are provided in exchange for a specific fee based on total assets under management or at an hourly rate. We accept no commissions or other compensation from your purchase of investment products. All investing is done through discount brokerage firms and with no load mutual funds. If cash value life insurance products are appropriate, we recommend only those that do not pay commissions. Your disability insurance and term insurance needs are referred to other professionals with whom we have no financial relationship. We research and analyze all investment options before recommending the most appropriate one(s) to you. You hear the negatives as well as the positives - and the expenses - of each alternative. If we don't know the answer to your question, we are quick to find it. And verify it.

Prize-winning credentials,

Like an attorney or CPA, our expertise has been developed through years of education and practice. Our investment management and financial planning services are based on Modern Portfolio Theory, an approach developed by Harry Markowitz and deemed so significant, he was awarded the Nobel Prize for Economics. That means, through proper decision making and asset diversification, you are more likely to experience a higher return at a reduced risk.

Exceptional personal service,

We prefer to work with highly selective individuals who, in turn, prefer to work with a financial advisor who meets their needs with personal attention and not with a sales pitch. As a small company, we know you by name, not by account number. You get monthly account statements, quarterly performance reports, periodic newsletters, and - whenever appropriate - a personal phone call to update or advise you. We are always accessible and promptly respond to your inquiries. Our clients say we treat them like family. That's why, if you tell us you are happy with your current financial advisor, we can reply with confidence, "Then you'll be even happier with us."

And peace of mind!

Your customized investment portfolio satisfies your personal objectives, needs, preferences, and tolerance for risk. It is rebalanced when required by price movements in the securities markets or changes in your life. All your unsettling questions are answered, questions like, "How can I retire my taxes next year?" and "How can I retire worry-free?" The bottom line is, you get an expert managing your money full-time with a conservative and proven approach, letting you concentrate on important things like your job, your leisure time, your family ... and a good night's sleep.

Our desired minimum account size is $100,000. But no matter how large your account, if we don't feel we can meet your needs, we will politely decline your offer to become a client. To schedule your free initial consultation, call our office - or return the attached reply card. If you are still uncertain, call us for the answers to your questions. If you simply want to be added to our newsletter mailing list, complete and return the attached reply card. It's your money, your future, your move.

©2010 Owens Financial. All rights reserved.