The Initial Consultation

Robinswood Financial makes it easy to establish your account. The first and most important step is the initial consultation with one of our registered investment advisors. In this meeting, we get to know you, your resources, your dreams, and your needs.

In this meeting, we get to know you and your dreams.

You’ll provide us with more information as we identify your goals, time horizon, investment constraints, and your preferred level of risk. As an active participant in the development of your investment plan, you are our primary source of information. Together we decide on the best mix of investments for your unique situation.

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Calculating Your Needs for Retirement

When we sit down to assess your financial situation relative to your retirement, we look at the following information:

• The number of years before your desired retirement age.

• Your cost of living and the lifestyle you expect to enjoy upon retirement.
• A projection for inflation over the years between now and your retirement.
• Your current or projected assets, including pensions, Social Security payments, investable assets, and liquidable assets (not your home or vehicles).

Based on this information, we determine the percentage increase—the rate of return—required for your investments to have the money needed by the time you retire. We compare this rate of return to your risk tolerance. Remember that you might earn higher rates of return on your investments with higher-risk investment products. Likewise, you would likely earn lower rates of return with lower-risk products.

Deciding on Investments for You

Once we have developed your individual investment strategy, we start building your portfolio based on the asset allocation that will help you meet your goals. Together we decide on the investment plan. Then we prepare all the documents. If you’re transferring assets from an IRA or other investment vehicle, we take care of the paperwork to make sure this happens properly.

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Working with Independent Custodians

Robinswood Financial never takes title of your assets. Instead, your assets are held by an independent custodian to keep your assets safe. We use the services of Charles Schwab as well as the Schwab Trust Company, which is regulated by the Office of Thrift Supervision (OTF), a bureau of the U.S. Treasury Department.