Perpetual Investment Management: Between Rob, our managing partners Jason and Matt and the rest of our staff, we have a century’s worth of experience. Drawing on our unique market insight, we’ve eliminated conflicts of interest that are found at most other institutions and have been able to provide operational efficiencies for our clients not found at the big firms. For a deeper dive, please see our Investment Philosophy page.

Proactive Relationship: We reach out to our clients on a proactive basis, generally three times a year but potentially more if there is a specific event happening (such as retirement, vesting schedule of employer benefits, tax season, etc.). During these meetings, we:

• Educate our clients on the different options they have and the theories underpinning our asset management
• Prompt discussions of planning ideas and why they would be advantageous to our clientele
• Address any client questions, It’s a wild world that is getting wilder every day. It’s natural to have questions and we want to make sure that we’re partners together as we go through life together. It’s fun when clients want to know more about individual positions or strategies

Integrated Financial Planning:

• Budgeting: Sounds simple but it’s one of the most crucial components of being able to ask the simple question: Do I have enough? If we don’t have this basic expectation set, it’s impossible to objectively analyze someone’s financial situation.
• Cash Flow Allocation: Building a savings and distribution plan that is diversified in taxation so we’re not tipping the government more than we need to.
• Obligation Planning (Retirement, College, wedding funds, etc.): Most people would like to be able to provide for children and grandchildren for specific life events. Wedding funds, first cars, college funding, family vacations…the sky is the limit. If there is something that you want to do, we want to make sure that you have what you need when you need it.
• Investment Tax Planning: All DLAK clients will go through a Registration Analysis to prioritize where to save hundreds of thousands of dollars over their lives. While we’re not accountants, this type of planning, we like to believe, will have a bigger impact on what you and your family pay over your life vs the work you do with your accountant.
  For those that are charitably inclined, the 2017 tax code gave powerful incentives where we can bundle multiple years of giving into a single grant and maximize the deduction. Simply said, most people that consistently gives to charity on a consistent basis are getting no tax benefit for it.
  This is in addition to tax loss harvesting, and idea other advisors often talk about but few advisors do it well.
• Wealth Transfer and Estate Planning: While we’re not attorneys, we will help our clients make sure that they have the ability to control who gets their money, how much and if there need to be any considerations around protecting heirs from bad decisions, bad relationships or bad influences.
• Debt Planning: Beyond the math, the idea of carrying debt is a personal choice. We help our clients get the lowest rate, borrow in a tax efficient manner and decide when it makes sense to carry the debt or simply pay it off.
• Protection Planning: The market alone can create a lot of stress. All clients get a full review of their insurances in case of the unexpected. Life happens and when it does we need to know if we’re going to pay for it out of savings or see if it makes sense to transfer the risk.