- We believe money is a tool—a quite powerful one—to aid in accomplishing our life purpose, not the whole purpose of one’s life.
- Enable client success*
*success is achievement of happiness and feeling of freedom
- We know that investing in the “right stuff” is both smart and conscientious. Our actively-managed Resilient Portfolio aims to support the planet and its inhabitants by investing in essential products and services that recognize increased human longevity, peak water, peak debt, eroding top soil, and climate change.
- By (re)connecting with our “why” as individuals with this one life, we can design our ideal future and create a plan to make it happen. Our Thrive Financial+Life Planning process starts with identifying your deepest values, beliefs, and intentions, then moves to how we can help make them manifest through the wise deployment of your financial capital, human capital, and social capital.
Will We Make a Good Fit?
At Verdant, we find the best relationships come about when you can look objectively at your personal finances, including investments, and determine if they are resilient to the economic risks that exist and others that may happen in the future. This is the work we will do together.
Financial resiliency—our goal for each client—isn’t only for portfolios of investments. It encompasses all of a family’s financial life and the transitions we all face: insurances may play a greater role; liquid cash for emergencies becomes even more important; and creating budgets with flexibility and greater savings is almost certainly essential.
The most resilient personal finance can be indicated by:
- Do you have a “reserve” or “emergency” fund of at least six months’ expenses in cash/CDs that are readily accessible?
- If you are retired, do you have twelve months’ worth of expenses for cash flow needs in a local bank?
- How will your personal budget react to an unexpected budget shock? Do you know how much you spend each month and over the course of the year?
- Does your financial toolbox include appropriate insurances (such as disability for self-employed folks; homeowners’ insurance coverage that is at least 80% of the value of your home; or life insurance to help defray estate taxes or assist a disabled family member)?
- Have you estimated the extent to which you must count on Social Security in retirement?
- How are ever-increasing healthcare and long-term healthcare costs going to affect you?
We work with our clients on answers to these questions and more in order to develop a strong relationship that enables personal financial resiliency.