John W. Brooker and Co., Asset Management has been an independent registered investment advisor since 1983. We have practiced at the fiduciary level as fee-only advisors from the beginning. As fee-only advisors, our interests are directly aligned with our clients’ interests, focused entirely on their goals. We have the experience, expertise and resources to guide our clients through the many difficult decisions they may face.
Being independent means that we are not tied to any investment firm, giving us the freedom to choose from best-in-class investments when creating portfolios. Being independent means we are free to work with whomever we choose whenever we want. We are always able to do what is right for our clients and are not burdened by unrelated goals or targets of some large firm. In short, our goals are our clients’ goals.
We only charge fees on the assets that we manage. We do not receive commissions or performance fees. Our judgement is not clouded by peripheral compensation. The better our clients do, the better we do.
As fiduciaries we are obligated to always do what is in our clients' best interest. We have completely aligned our compensation and firm structure to ensure that we put our clients’ goals first.
COMPREHENSIVE WEALTH MANAGEMENT
Comprehensive wealth management starts with having a conversation to learn about what is most important to our clients and the goals they hope to achieve. Once we know what matters to our clients, we create a long-term financial plan based on their goals, assets, liabilities and risk tolerance. Whether the goal is retirement planning, passing on wealth to future generations or any other objective, we will create a roadmap to get them there. Plans are updated as often as needed given changes in our clients’ circumstances. Some of the topics discussed include:
I. WEALTH CREATION AND GROWTH
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Establish and prioritize long-term goals and objectives
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Define and establish risk tolerance parameters for investing
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Develop an asset allocation strategy consistent with risk tolerance
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Measure asset diversification
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Manage tax efficiency of investments
II. RETIREMENT PLANNING
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Taking into account client goals, assets, capacity to save, and risk tolerance, we will create a plan to help create an income in retirement that clients will not outlive.
III. TAX EFFICIENT WEALTH DISTRIBUTION
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Educational funding
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Transfer of wealth to family members
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Charitable giving
IV. ESTATE PLANNING
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Controlling the distribution of wealth
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Reducing the impact of estate taxes
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Tax efficient charitable giving
V. WEALTH PRESERVATION
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Establish a comprehensive tax planning strategy
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Risk management- review adequacy and cost effectiveness of personal insurance (life, disability and long-term care)
INVESTMENT MANAGEMENT
We create globally diversified, balanced portfolios for our clients consistent with their risk tolerance to help them accomplish their long term goals. When constructing portfolios, risk management is of primary importance. We focus on long-term trends, valuations and fundamentals but also pay attention to the short-term market movements when putting money to work. Markets change; we continually monitor the capital markets and our client portfolios to ensure that asset allocation is optimal. Our goal is to deliver superior risk-adjust returns, net of fees.
Our investment philosophy is rooted in time tested, proven principals.
I. DIVERSIFICATION – the primary determinant of risk and return
II. RISK MANAGEMENT – the amount of risk taken is of primary importance to any investment plan
III. REBALANCING – over time, market movements alter portfolio allocations; rebalancing is essential to maintain target allocations
IV. AVOID MARKET TIMING – avoid chasing market highs and selling at market lows
V. REASONABLE FEES – high fees are an impediment to positive returns and long term results
VI. TAX EFFICIENCY – after-tax returns are what matter – asset location can add value
Other services
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Outside Investments – Review and allocate your outside employer-sponsored retirement plans (401k, etc.).
TEAM
Brochures and Statements
Brooker Wealth Management, is licensed and regulated by the Securities and Exchange Commission. This web site is in no way a solicitation or offer of investment advisory services except, where applicable, in states where we are registered or where an exemption or exclusion from such registration exists. This web site is only for the purpose of giving general information and is not intended to offer personal financial advice. The data and information contained herein is accurate insofar as we are aware; however, we do not warrant it or any other material, nor do we state or declare the performance of any fund, security or other investment, whether or not recommended herein, nor do we state nor intend to state that any such will perform in any particular manner nor that the historical pattern of same will necessarily continue in the future. Wherein we have mentioned or suggested outside companies, agencies, or individuals, whether in written form or as web sites, we do not warrant their validity.