About Signature Group

For those clients with more comprehensive wealth management needs, we offer our Signature Group services. The purpose of Signature Group is to help a select group of clients make smart wealth decisions.

Comprehensive wealth management is a process, not a product. It’s an ongoing need, not a one-time event. However, most firms, even those that claim to provide wealth management services, simply provide investment consulting. While it is true that investment consulting is an important piece of wealth management, investments are simply the engines that drive you towards the goals you have for your future and your family’s future.

At Coulter & Justus Financial Services, LLC, we feel true comprehensive wealth management is vital, particularly for high net worth clients. Our wealth management process includes not only investment consulting, but also advanced planning and professional team relationship management. Thus, we define wealth management as a formula:

WM = IC + AP + RM

Investment consulting (IC) is the astute management of investments over time to help achieve financial goals. It requires consultants to deeply understand their clients’ most important challenges and then to design an investment plan that takes their clients’ time horizons and tolerance for risk into account and that describes an approach that will help maximize clients’ probability of achieving their goals.

It also requires consultants to monitor both their clients’ portfolios and their financial lives over time so that they can make adjustments to the investment plan as needed.

Advanced planning (AP) goes beyond investments to look at all the other aspects that are important to your financial life. We break it down into four parts: wealth enhancement, wealth transfer, wealth protection and wealth legacy. In our experience, very few financial consultants offer these services.

Relationship management (RM) is the final element. True wealth managers are focused on building relationships within three groups. The first and most obvious group is their clients. To address their clients’ needs effectively, they must foster solid, trusted relationships with them. Second, wealth managers must manage a network of financial professionals they can call in to address specific client needs. Finally, wealth managers must be able to work effectively with their clients’ other professional consultants, such as their attorneys and accountants.

Essentially, we serve as the personal chief financial officer for a select group of individuals to help them make smart wealth decisions. We limit the number of wealth management clients we serve in order to provide customized solutions and personalized service to each client.

Therefore, it’s the process of comprehensive wealth management that will assist us in addressing the range of your financial challenges beyond your investments. Utilizing our comprehensive wealth management process will allow us to systematically manage each of your major financial issues, which in turn increases our ability to help you achieve your most important goals. Our comprehensive investment and wealth management process is more fully described in the paper presented by Coulter & Justus Financial Services, LLC – Intelligent Investing.