At The Granville Investment Group, LLC, our professionals take the team approach to serving each and every one of our clients. Our advisors and support staff will work as a unit to put you and your family at the center of everything we do. We believe your experience here will be different and better than anything else you have encountered in the financial services industry.
Because of the comprehensive nature of our financial planning and investment service, we follow a step-by-step process to help uncover the important details of your financial objectives so that we may best plan for the road ahead.
During each of our meetings, especially in the first few, we will focus on getting to know your personal situation, needs and goals. We will listen intently and ask questions to clarify what your primary concerns are before developing a customized financial plan or recommending a particular investment strategy.
After listening to you and gathering important information, we will analyze your entire financial picture based upon the details you provide. We have found that clients in your position are likely to have numerous bank, loan and retirement accounts, which we will help you organize and consolidate into one personal financial website. In this same secure place, you will be able to store copies of important documents like your will, trust and insurance policies for 24/7 access. By being able to see your entire financial picture on one screen, we are able to suggest areas for improvement and action.
After determining your current financial condition and learning about your needs and wants, both today and tomorrow, we will work with you to design a financial plan and investment strategy that will help enable you to pursue your goals. The way in which your investments are handled will have a significant impact on the long-term success of your plan. Our team has expertise in actively managing portfolios of varying sizes and types. A point that sets our group apart from many others is our ability to handle your account on a fee-based, discretionary basis. Based on your clearly defined goals, we believe this approach can reduce potential conflicts of interest and enables us to decide where to invest and when to make changes on your behalf. The result is a well-informed yet less stressful investment experience for you.
Our team will monitor your investments and make adjustments when market conditions warrant. Our methodology aims to keep losses small while letting profits run. We manage portfolios for risk first and returns second.
We will encourage you to meet with us at least annually (and more often the first year) to help ensure we are kept informed of anything – such as changes in your life – that may have an impact on your financial plan. Likewise, we want you to understand the activity and holdings in your account that we manage.
There is no assurance that any investment strategy will be successful. Investing involves risk including the possible loss of principal.
In an asset-based fee relationship, you pay a fee (charged quarterly) for the advice and services provided by your financial advisor as a part of the advisory relationship. This fee is based on the level of assets in your account, independent of the level of trading activity. By deciding to pay a fee based on services provided rather than transactions, you should understand that the fee may be higher than the cost of a commission alternative during periods of lower trading activity.
You should understand that the advisory fee charged in fee-based accounts is in addition to the management fees and operating expenses charged by open-end, closed-end and exchange-traded funds. To the extent that you intend to hold fund shares for an extended period of time, these internal fund expenses should be added to the advisory fee when evaluating the costs of an account. Additionally, certain mutual fund families impose short-term trading charges (typically 1 to 2% of the original amount invested) that are generally NOT waived for fee-based accounts.