Money Management

Musgrave Financial Solutions believes portfolio management is far more than just buying funds and hoping they do well. Our role is to help our clients meet their financial objectives through detailed planning and creating a financial roadmap that often incorporates professional money management and insurance to achieve a desired outcome.

We leverage the resources from top global investment managers to help construct core portfolios that adapt to changing market conditions and leverage low-cost, tax-efficient ETFs to help minimize portfolio expenses. This approach allows us to offer institutional money management at an exceptionally low cost and allows us to spend more time with our clients' planning for retirement and providing exceptional service.

Since our clients have unique financial situations, beliefs and objectives, we offer a variety of investment strategies: Tactical, Dividend Plus, ESG (Environmental, Social & Governance), Passive, Tax-Efficient and Income Portfolios.

We welcome the opportunity to help you determine which investment strategies are best suited for you.

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Our Investment Philosophy

We help you construct a portfolio that is in alignment with your goals and investment philosophy, and consists of growth, income, safety, liquidity, and tax advantages.

Optimized portfolios strike a balance between taxable, tax-deferred, and tax-free accounts, and consist of equities, fixed income, and insurance products, thus providing maximum flexibility to make adjustments as markets, taxes, and life circumstances change.

We provide access to top institutional money managers such as BlackRock, Fidelity, JP Morgan, Vanguard, LionShare and Pelican Bay that offer a wide range of management styles to choose from.

Whether you are looking for low-cost index strategies, proactive tactical management, or high yield dividend strategies, we can help you construct a portfolio that meets your requirements and gives you confidence that you can maintain your lifestyle in retirement.

Why you should consider our professional money management

Low fees and good performance are always important when choosing an advisor, but there are other factors to consider.

Process. We use a 10-Step Process with our clients that evaluates their unique financial situation in order to create a financial roadmap and investment strategy. For example, how you pay for higher education expenses, mortgages, major capital purchases, or pay down debt all influence how you should invest your money.

Ongoing Advice. Our clients can schedule a meeting at any time to discuss any financial topic. We also proactively schedule financial reviews to update our clients’ financial picture, run updated retirement or distribution reports, discuss tax reduction strategies and address any other issues. These meetings are at no additional cost.

Investment Options. Retirement plans have a limited number of funds from which to choose. When you roll over your 401(k), 403(b) or TSP, you will have more investment options. In addition to our proprietary management, we offer access to dozens of professionally managed portfolios from top institutional companies such as BlackRock, Fidelity, JP Morgan, Wisdom Tree and Vanguard. Whether you prefer an active or passive approach, we offer a wide variety of investment strategies that will be aligned with your investment philosophy and values.

Tax Efficiency. Minimizing taxes should always be a consideration in both the accumulation and distribution phases. We help you find the most tax efficient strategy in nonqualified (taxable) accounts, and we help you minimize the risk of future tax increases when you take money out of your qualified accounts. Remember that performance reports only reflect pre-tax investment returns, not net after-tax investment returns.

Mark Peterson from BlackRock has been a special guest on several of my market update webinars and gave a great presentation called "The psychology of investing - keeping calm amid market turbulence".

The way we approach turbulent markets will have a far greater impact on our wealth than rates of return. Whether you have little experience with investments or have accumulated a multi-million dollar portfolio on your own, you will benefit from watching this video.

Stress Test Your Portfolio

To say we are living in uncertain times is an understatement. How confident are you that your investment portfolios are optimized for your situation? How does your portfolio to compare to others regarding fees, risk and performance? Should you stay the course in your current portfolio, or make a change?

Question – Why stress test your portfolio?
Answer – To help you determine whether changes should be made in your portfolio and address the “WHAT IF’s?” head on.

By leveraging BlackRock’s Aladdin platform, the same risk technology relied on by many of the world’s largest financial institutions, we give you an in depth look at your portfolio’s current risk exposures, portfolio characteristics and historical returns.

Learn more

Tax-Efficient Investing

Taxes have always been a driving force in most financial planning and investment strategies. Given the over $30 trillion-dollar federal deficit and constantly changing budget proposals, taxes are likely to go up sooner rather than later. One thing is certain – taxes matter. In an uncertain world where risk and inflation are high, taxes matter even more.

Learn about how we help minimize our client’s capital gains tax.

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Dividend Plus Brochure

Learn more about our Dividend Plus investment strategy

Dividend Plus Brochure

Dividend Plus Investment Strategy

Watch my interview with Larry Taunt, portfolio manage of Dividend Plus.

Watch Webcast Video

PORTFOLIO ANALYSIS REPORT

Step 1

The first step to evaluating your portfolio is to review your performance, risk and cost. We then see how your portfolio may perform in nearly 30 different economic conditions.

This analysis helps you understand potential impacts to your portfolio during selected market events.

Step 2

The second step is to compare your portfolio to thousands of other portfolios and see how you compare.

Step 3

Our portfolio analysis report provides a summary that includes Portfolio Observations, Performance, Risk, Scenarios, Peer Comparison, Holdings Detail & BlackRock Views & Commentary.

One advantage to rolling over your 401(k) or tsp is that you have access to investments that may not be available in your current retirement plan. Learn more below.

Sustainable Investing

Socially responsible investing is the practice of investing money in companies and funds that have positive social impacts. As awareness has grown in recent years over global warming and climate change, socially responsible investing has trended toward companies that positively impact the environment by reducing emissions or investing in sustainable or clean energy sources.

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ESG 101

Environmental, social, and governance (ESG) criteria are a set of standards for a company’s operations that socially conscious investors use to screen potential investments. ESG investing is sometimes referred to as sustainable investing, responsible investing, impact investing, or socially responsible investing (SRI).

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Factor investing

Factor investing is an investment approach that involves targeting specific drivers of return across asset classes. There are two main types of factors: macroeconomic and style. Investing in factors can help improve portfolio outcomes, reduce volatility and enhance diversification.

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Fee Schedule

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