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Understanding your destination is our starting point. Tell us where you want to go, and we’ll develop a plan that gets you there. As life happens, we’ll adjust your plan to align with your changing circumstances.

We believe a detailed planning process is critical to creating long-term financial security. Planning, more so than the plan itself, provides the agility and flexibility to adjust as life happens. Our process is not static but evolving as plans come face-to-face with reality. We strive to align your resources, risk tolerance, and behavior to your goals. We do this through a disciplined process.

Our investment approach involves helping you feel more confident about the answers to these five questions:

“How am I doing?”

This is not simply a question of how your investments performed. Does your process show how the performance of your total investments impacts accomplishing your goals? Learn how we relate performance to your goals so that you can ascertain how you are doing.
 

“Will I be okay?”

Have you established effective, worthwhile objectives? What governs how you monitor your progress towards achieving these goals? It is one thing to have goals, it is altogether different to have a dynamic plan to get there and a process to keep you track. There are no guarantees for financial success. However, learn how our process helps you to determine if you will be okay.
 

“What keeps me up at night?”

Your investments should not cause you undue angst or loss of sleep. Crafting a sleep-at-night portfolio requires an effective marriage of your goals, assets and financial behavior attributes. Often, anxiety about investments stems from a poor marriage. Learn how we help clients achieve an appropriate balance between these three issues.
 

“How your investments have performed?”

Have you established effective, worthwhile goals that are measurable and attainable? How do you monitor your progress towards achieving these goals? It is one thing to have goals, it is altogether different to have a dynamic plan to get there and a vigorous process to keep you track. There are no guarantees for financial success. However, learn how our process helps you to determine if you will be okay.

"How do I know?"

When answering your questions of “How am I doing?” and “Will I be okay?,” you should ask us “How do we know?” Our answer, which is a synthesis of process, resources, and commitment, should verify the trust you have placed in us.

Assess Situation and Goals

What we do comes down to understanding you. Rightfully so, our process begins with gathering information about you, to include your current situation and your life goals. What do you have? What are your worries? Where do you want to go? Questions like these are just the beginning of understanding your unique situation.

To get started, fill out this worksheet and email it to info@johnsonandwhite.com.

 

Assess Risk Profile

Importantly, to properly service your needs, we need to understand how you handle risk.

We do not consider volatility and risk as synonymous terms.

We think of volatility as the fluctuations in the markets over which we have no control. Conversely, we view risk as the potential for deviation of actual from expected results. This implies that for us to understand risk, we must first have established expected outcomes and your ability to absorb volatility.

Market indices, such as the S&P, are useful benchmarks to measure investment performance. However, they are not the appropriate tool to gauge your ability to achieve your goals, because your goals are not necessarily aligned with market indices. Using your goals, we align your portfolio with a return objective needed to achieve what matters most to you consistent with your attitude towards volatility.

With this in mind, behavior and risk are inseparable. We use a specific tool to measure your tolerance for volatility. How you actually react during periods of volatility is the behavior that is important to us. Will you react in turbulent times as your risk profile indicates? Warren Buffett has said that “the most important quality for an investor is temperament, not intellect.”

We begin the planning process with an understanding of what you want to achieve over time.  We then assess your tolerance for volatility—the vagaries of constantly fluctuating markets.

Finding your risk score is the first step to understanding how you handle risk. Find your risk score on this questionnaire.

 

Develop Plan

With situational and behavioral insights gathered, we use state-of-the-art financial planning software to develop a plan that allows you to make informed decisions on how to save, spend, and allocate your resources. This software incorporates our risk evaluation tool and leverages Monte Carlo simulation tools to indicate your probability of success given the information you provide.

 

Monitor Plan and Behavior

Monitoring your plan and behavior is what makes our financial plans ever evolving. As your life happens, we update inputs in our financial planning software, adapting your financial plan to your life. This includes an ability to model alternatives to help you make informed life decisions. We understand that your life, aspirations, and circumstances are not static; ultimately, you are not static, so why should your financial plan be static?