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A complete picture of your financial life.

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For most, financial independence has less to do with a balance sheet, and more to do with a balanced life. That’s why Williams Wealth 360º is more than an investment manager or a financial plan. It is the collaboration of your team of professionals to help you meet your life’s goals.

What We Do

As your assets grow, life can become a little more complicated. Simplify and clarify your financial goals with a Certified Financial Planner™.

Along the way we’ll monitor and track your progress while working with you to secure your financial future.

Take a moment to view the video at right to learn more about how we help you achieve success.

Follow the steps below to begin creating your WealthPlan.

Our Meeting Process

Every client relationship begins with a conversation. Together we explore your goals, objectives, risk tolerance and core values in an effort to get to know you. Our experience and dedication to sound financial planning will enable us to make the most of our time together.

Step 1: Goal Discovery

During your initial meeting(s), we’ll get to know each other at a deeper level. By listening first, then reviewing your confidential client profile, our Certified Financial Planner Practitioners™ will be able to recommend what to improve, develop or change as it relates to your wealth. These long-term financial goals and objectives will be identified to set the foundation of your WealthPlan.

Targeted risk is based on the principle of balance: the return you wish to gain, with the risk you're willing to take.

Our cutting-edge techniques streamline the process of determining your “investment comfort zone,” then we build a portfolio designed to keep you and your assets within that target.

Riskalyze helps us pinpoint your acceptable levels of risk and reward with unparalleled accuracy, ensuring that your portfolio aligns with YOUR investment goals and expectations.

The result?

A risk score between 1 and 99 that pinpoints your exact comfort zone for downside risk and potential upside gain. Our team builds an investment portfolio in line with your Risk Number, charting a clearly-defined path to achieving your goals.

Because real wealth is more than money, your unique aspirations and wishes are at the heart of your WealthPlan.

What's your Risk Number? Use our FREE calculator.

Step 2: Plan Development

Your wealth advisor will conduct a portfolio stress test on your current investments and review your current statements. Our goal is to ensure your financial goals and objectives are in line with your level of comfort in taking on risk so we can design a personalized financial roadmap that meets your needs.

Integrated Wealth Management

Integrated Wealth Management is reserved for our most distinguished clients. It involves close collaboration with a team of advisors to develop and execute a seamless, comprehensive WealthPlan.

Customized Portfolio Design
and Management

  • Aggregate Asset Allocation and Investment Strategy
  • Money Manager Due Diligence and Selection
  • Tax Minimization Strategy
  • Custom Investment Policy Statement
  • Quarterly and On Demand Performance Reporting

Financial Planning

  • Personal financial plan design
  • Financial plan execution
  • Provided by Certified Financial Planner™ practitioners

Personal Financial Planning

  • Cash Flow Analysis
  • Retirement Income Planning
  • Asset and Liability Management
  • Tax Strategy
  • Estate Planning Strategy
  • Insurance Analysis
  • Education Planning
  • Asset Protection Strategy


  • Invitations to Exclusive Events
  • Complimentary Notary Services
  • Priority Scheduling
  • Rapid Response / Resolution

Coordination of Professional

  • Accountant
  • Insurance Professional
  • Real Estate Professional
  • Attorney

Easy Access
To Your Finances

  • WealthPlan personal financial website
  • Secure online document storage

Step 3: Mutual Commitment

By now you have been introduced to our comprehensive approach to financial planning and investing, Williams Wealth 360. The next step is reviewing and signing our client engagement agreement. Once complete, you will have officially become part of the WWMG family. Moving forward you can expect our team to work tirelessly to help you reach your personal and financial goals.

Confirm your
Goals and Objectives

Provide your custom
Financial Planning Schedule

Provide your
Investment Recommendation

Review and Sign your
Client Engagement Agreement

Step 4: Strategy Selection

Education is the key to transparency. We want to help you understand our investment process and strategies because these important financial decisions directly impact your life. Once you have a thorough understanding, we’ll make recommendations on strategy allocations and implement your personalized plan so you can live your life by design, not by default.

Our Investment Philosophy

We focus on designing portfolios, not “picking stocks.” Our approach involves broad diversification, low costs, and a combination of passive and active investment strategies. We design global multi-asset class portfolios with the goal of maximizing return within each portfolio’s unique risk environment.

Active Asset Allocation

Structure, or asset mix, determines most of the performance in a diversified portfolio. We take a disciplined approach to choosing asset classes to play different roles in your portfolio based on your specific risk tolerance and your goals. We adjust your allocation as your situation changes, always looking for a balanced portfolio. The exact mix of investments within each portfolio will depend on the individual client, taking into consideration factors such as age, net worth, income, rate of return objectives and risk tolerance.

A Non-Traditional Approach

Prudent investing is a rational process. It involves deciding how much risk to take, then choosing asset classes to match your risk-return trade-off. We take a slightly different approach to traditional managers. Rather than analyzing individual securities, we invest by deciding how much stock to hold versus bonds, how much small or large stock to hold, or how value- or growth-tilted the stocks should be. We structure strategies based on scientific evidence rather than speculation with a goal of achieving a more consistent portfolio structure.

Dynamic Portfolio Engineering

We take a flexible, innovative approach to investing to offer consistent, fully diversified exposure to the risks that drive long-term returns. We identify different types of risks, choose how much of these risks to take, and then strive to minimize the risks and costs traditional approaches impose. Many of our manager selections permit deviations from market cap weightings. This flexibility also allows us to reduce transaction costs from counterproductive trading.

Low-Cost Investing

We are very cost conscious when making investment decisions. Costs at all levels will negatively affect portfolio returns. One way to control “total” cost is through reduction of internally generated fees associated with many investment products. Here, we focus on fund expense ratios, attempting to provide the lowest possible expense ratios without sacrificing a fund’s quality. We also try to eliminate all other fund costs we believe add zero value, such as loads and 12b-1 fees.

A Focus On Tax Minimization

We are dedicated to preserving capital through proactive investment and tax management. We strive to maximize returns on an after-tax basis when allocating assets, distributing income and planning your estate.

Open, Ongoing Communication

To make sure your plan stays on track, we keep you informed about your portfolio and stay current on your objectives. We meet regularly with you for performance reviews and on an ad hoc basis as situations change. From our continuing discussions, we adjust our strategy and your portfolio accordingly, based on market dynamics and your evolving needs.

Investment Policy Statement

The guidelines used to manage your account are identified and agreed to in an Investment Policy Statement and Client Engagement Agreement for clarity purposes. If your objectives change with time, we simply agree to the appropriate adjustments and modify your account accordingly.

*Investing involves risk, including the risk of principal loss. Diversification and asset allocation do not ensure a profit or guarantee against loss.

Step 5: Monitoring & Communication

Regularly Scheduled Review Meetings

Available at our office or online, we meet with you on a regularly scheduled basis to review your portfolio and update your financial plan.

Online Access

Black Diamond Wealth Platform - Your Personal Client Website to access performance reporting including a Secure Vault for your most important information.  Here you may access Account Summary/Detail, Daily Performance, your Portfolio Risk Number, and more...

MoneyGuidePro - Your financial planning organizer and aggregation tool.  With MGP you can view all of your held away accounts in addition to your managed portfolio.  With this information, together, we have your complete financial picture to build and monitor your Financial Plan proactively.  MGP also offers tools to help you monitor transactions, build budgets, plan a debt paydown strategy and much more...

TD Ameritrade Institutional - A website provided by the custodian allowing you to view all your information including statements and tax reporting.  

360º Perspectives 

Our signature client communication system – a blend of social media, emails, whitepapers, our blog, and informational videos to help you learn more about the financial planning process.

360° Perspectives

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