Jody Team, CFP®

I have been this industry long enough that I have experienced a couple of bear and bull markets. I have seen and worked with hundreds of clients in their planning situations. I started Team Financial Strategies out of a desire to serve and felt that my talents were best suited in financial planning. I love that this firm has helped so many people and I look forward to seeing how we can help so many more.

Why have you chosen a career in financial planning?

When I came into this field, it seemed that so many people were being sold products but few were actually receiving quality advice. I had a desire to be part of that change in the community of people around me. That change is happening. When I am able to help a client in their situation, the blessing is mine as much as it is theirs.

What types of clients do you serve?

As time has gone by, I have worked with a number of different clients in various careers and stages of life. I really enjoy getting to learn a new situation and figure out a solution. I work with other planners in our firm on their client situations. I love to work with families that are still in the building phase as well as those trying to figure out how to stop working as much. I also work with independent contractors, small business owners, and employees/staff from local universities.

Give an example of a way you have helped a client.

The times that I remember the best are when we have been able to look at a situation differently to come up with a better result for the client. One specific example comes to mind where a client was deciding when to receive a pension, now or later. In just looking at that pension, it made sense to the client’s tax advisor to wait to take the pension. As we looked at the entire plan, we realized that this money could be used to pay off the remaining balance on the client’s home and potentially allow them to retire years earlier. The client followed this plan and gets to enjoy a paid off mortgage.

Meet with an Advisor

We have two styles of management based on the needs and contract with the clients.

Wealth Management Portfolios: For our clients signed up for our “Wealth Management” service, we tailor their portfolio to their needs using investments from various asset classes including options for hedging and enhancing the portfolio. Our investment team considers Macro risks and the client’s advisors consider the individual risk reward profile of the client to build out and manage the individual portfolio.

Wealth Builder Portfolios: For our clients signed up for our “Wealth Builder” service our investment team focuses on building portfolios for long term growth while still taking into consideration the clients risk/reward profile. For this service our investment team manages models by selecting mutual funds and percentages of a portfolio to be invested in each fund for a risk reward profile. Then advisors can assign the investments to each client and the portfolio will remain invested and rebalanced based on our team’s parameters on a regular basis.

Active vs Passive: Our philosophy leans toward active management but we feel that this should not be a choice of style that an investor must pick. We believe there are definitely times and opportunities where active managers provide a lot of value to a portfolio in various areas of the market and there are also times where passively investing in an index is difficult to beat. With that said, even deciding the allocation of passive investments is an active management decision. It is also an active decision to keep some money in cash. Investing involves decision making. Our goal is to help the client make the best decision possible for their portfolio at a given time based on the information we have for them.

Our team of professionals spans many years of experience in a multitude of areas that are covered in wealth management. For our wealth management clients, we want to help you look at the areas of your financial life where we can make the most difference. Therefore, we take a comprehensive approach looking into various areas of your finances and making recommendations in areas such as tax planning, risk management, generational planning, and retirement planning strategies.

Need help keeping up with your business finances? Would you like a team to work with that can help you make informed and guided decisions? Our business planning team can help you make sure you are keeping up with the essentials while planning for the future. There are specific advantages for business owner’s finances with good decision making.

Have you been appointed as the Executor/Executrix of an estate? Our team has assisted clients with the settlement of an estate on many occasions. This area is one that can have many hurdles and pitfalls. Our experience in assisting clients can be used to your benefit. If you are the executor of an estate, we can work with you through this process to make sure it is done in a way that can save you time, money and stress. If you would like to discuss these services with our team, click here to make an appointment and put “Estate Assistance” in the “Additional background information” field.

Since opening Team Financial Strategies in April of 2005 we have developed sound investment management strategies that we manage within client portfolios and for institutional investors. For a brief description of each strategy click here. To inquire further, please contact our investment team at 325-480-1587.