Financial Planning & Investment Management
Combining research-based investment strategies and household-level tax planning
Stockbrokers, investment advisors, and financial planners serve clients in different ways. Only investment advisors and Certified Financial Planner™ professionals are required to act as fiduciaries.
Cardinal Retirement Planning, Inc.’s team of investment advisor representatives and Certified Financial Planner™ professionals are held to the fiduciary standard of care. We will disclose all conflicts of interest and sources of compensation so you can feel certain that your investment professionals are putting your interests first.
Stockbrokers are held to a lower standard of care than fiduciaries
Investment advisors are fiduciaries and are regulated by states or the SEC
Tax & financial planning services are not offered by every advisor, and quality can vary substantially
Cardinal Retirement Planning, Inc. provides tax-sensitive investment manangement and financial planning
Financial Planning ≠ Investment Management
Investment management is just one part of financial planning. Oftentimes clients connect financial planning and investment management as one in the same. This is not the case. Financial planning is a specialized service that is takes into account your goals & values in order to create a customized strategy that includes tax planning, investment management, estate & insurance planning.
Investment management services are generally restricted to the account being managed; details like household tax-efficiency and goals can be lost in translation. Taxes on dividends, interest, and capital gains affect clients differently. Does your investment advisor really provide financial planning services?
A holistic plan should take into account your whole household and net worth, working to identify the best strategy that helps you meet your goals. A one-size-fits-all model portfolio approach can miss the details. Cardinal’s services include both financial planning and investment management. Our advisors work to tailor our investment strategy to fit into your financial plan, not the other way around.
Research-based Investment Models
- Models designed using quantitative mathematics and financial econometrics
- Millions of simulated pathways with historical data back to 1900
- Thousands of robust models screened and matched by PhDs and Certified Financial Planners™
- Create a customized blend of core, dividend, international, or ESG portfolios