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Investment Management

At Uncommon Cents Investing, we believe investment management should be as personal as it is professional. Our in-house team in Janesville manages every portfolio directly, allowing us to develop tailored strategies that align with your life’s goals and values. With a family-oriented approach, we aim to create portfolios that aren’t just about financial gain—they’re about purpose, growth, and building a future that resonates with you.

We focus on simplifying the complexities of investing, so you’re not overwhelmed by numbers and jargon. Each step in our process is designed to keep you informed and empowered, offering straightforward strategies that help you understand how your money is working for you. We want you to feel confident in every investment decision, knowing it’s part of a larger plan to help you reach your dreams.

  • Portfolio Management: Strategically design and monitor investment portfolios through optimal asset allocation, selection, and regular performance evaluations to achieve long-term financial objectives.
  • Tax Planning: Implement proactive strategies for managing income, optimizing investment decisions, and executing year-end planning to reduce tax liabilities.
  • Risk Management: Identify and mitigate financial risks by aligning portfolios with client risk profiles, ensuring diversification, and managing exposure to market volatility.
  • Financial Planning & Education: Offer personalized advice to help clients set financial goals, manage debt, navigate life events, plan estates, and address any financial concerns or questions.
Investment Management Process

Our team’s dedication to managing your investments with care is rooted in transparency and communication. We’re here to guide you, answer questions, and adapt as your needs evolve. Let us be your partner in building a portfolio that’s designed for today’s goals and tomorrow’s possibilities.

FAQs

Investment management is the professional process of overseeing, handling, and optimizing your financial assets to help you achieve your short- and long-term financial goals. This service involves creating a strategic plan for your investments, selecting and managing assets like stocks, bonds, mutual funds, and real estate, and continuously monitoring and adjusting your portfolio to maximize returns while managing risk.

Key Components of Investment Management:
  1. Portfolio Strategy Development: Crafting a personalized investment strategy based on your financial goals, risk tolerance, and timeline.
  2. Asset Allocation: Determining the right mix of assets to balance potential growth with acceptable risk levels.
  3. Ongoing Monitoring: Regularly reviewing and rebalancing your portfolio to ensure it stays aligned with your objectives and market conditions.
  4. Performance Evaluation: Assessing the performance of investments to identify opportunities for optimization.
  5. Risk Management: Implementing strategies to protect your portfolio from excessive loss, including diversification and other techniques.

Effective investment management ensures your assets are working for you, helping you build wealth, preserve capital, and achieve financial milestones such as buying a home, funding education, or enjoying a secure retirement.

If you’re ready to take a strategic approach to your investments, reach out to a trusted investment management professional for guidance tailored to your unique needs.

Partnering with an investment manager offers numerous benefits that can help you maximize the potential of your financial portfolio while reducing stress and uncertainty. Here’s how working with a professional investment manager can add value to your financial journey:

Expertise and Experience

Investment managers bring a wealth of knowledge and experience to the table. They understand market trends, asset classes, and risk management strategies, enabling them to make informed decisions tailored to your financial goals.

Customized Investment Strategies

Your financial goals are unique, and an investment manager can create a personalized strategy to match. Whether you’re saving for retirement, funding a significant purchase, or building generational wealth, they align your portfolio with your objectives and risk tolerance.

Time Savings

Managing investments effectively requires ongoing research, monitoring, and adjustments. An investment manager handles these tasks for you, freeing up your time to focus on what matters most in your life.

Risk Management

An investment manager helps you navigate market volatility by implementing strategies that balance potential returns with acceptable risk levels. They also ensure your portfolio remains diversified and aligned with your goals.

Ongoing Portfolio Monitoring and Adjustments

Markets change, and so do your financial needs. An investment manager continuously monitors your portfolio and makes adjustments as needed to ensure it remains optimized for current conditions and your evolving goals.

Emotional Discipline

Investing can be emotional, especially during market fluctuations. An investment manager provides an objective perspective, helping you avoid impulsive decisions that could negatively impact your portfolio.

Access to Resources and Opportunities

Professional investment managers often have access to exclusive investment opportunities and research tools that are readily available to individual investors. This can enhance your portfolio’s growth potential.

Tax Efficiency

Investment managers consider tax implications when making investment decisions, helping you maximize after-tax returns and minimize liabilities.

By working with an investment manager, you gain a trusted partner who is dedicated to growing and preserving your wealth. If you’re ready to take your financial future to the next level, contact us today to learn how professional investment management can help you achieve your goals.

The tax deductibility of investment management fees depends on current federal and state tax laws. Here’s a breakdown to help you understand:

Federal Tax Deduction Rules

Under the Tax Cuts and Jobs Act (TCJA) of 2017, most miscellaneous itemized deductions, including investment management fees, are no longer tax-deductible at the federal level. This change will remain in effect through at least 2025 unless further legislation is enacted.

State Tax Rules

Wisconsin followed suit with the federal Tax Cuts and Jobs Act of 2017 mentioned above. However, Wisconsin may have specific provisions that differ. For instance, it adopted certain federal tax treatments, such as those related to college savings account withdrawals for apprenticeship programs and student loans.

At Uncommon Cents Investing, we offer fee-only, percentage of Assets Under Management (AUM) fiduciary investment management and comprehensive financial planning, taking the burden of financial management off your shoulders.

Our tailored investment solutions and proactive approach are designed to simplify your finances and help you achieve your retirement goals with confidence.

In financial advising, compensation models vary based on how advisors charge for their services. Here’s a breakdown of the most common methods:

Fee-Only Financial Advising

  • What it is: Advisors charge a flat fee, hourly rate, or project-based fee directly to clients. They do not earn commissions or other compensation from selling financial products.
  • How it works:
    • Flat fee: A set annual or monthly amount.
    • Hourly rate: Charges based on the time spent on financial planning or advice.
    • Project fee: A fixed cost for a specific financial task, like a retirement plan or estate strategy.
  • Advantages:
    • Transparent costs.
    • Minimizes potential conflicts of interest since the advisor’s income doesn’t depend on product sales.
  • Who it’s for: Clients looking for unbiased advice or specific one-time projects.

Percentage of Assets Under Management (AUM)

  • What it is: Advisors charge a percentage of the client’s managed assets annually, typically ranging from 0.25% to 1% or more.
  • How it works:
    • If you have $1 million in managed assets and the fee is 1%, you pay $10,000 annually.
    • Often includes investment management and financial planning.
  • Advantages:
    • Aligns the advisor’s incentives with client goals (both benefit when assets grow).
    • No out-of-pocket costs as fees are deducted from the portfolio.
  • Who it’s for: Clients with investable assets seeking ongoing portfolio management and comprehensive planning.

Other Forms of Management

  • Commission-Based:
    • Advisors earn commissions from selling financial products (e.g., mutual funds, and insurance).
    • Potential conflicts of interest if product sales drive recommendations.
  • Fee-Based:
    • Combines AUM fees with commissions from product sales.
    • Less transparent than fee-only.
  • Retainer Model:
    • Clients pay a fixed monthly or annual fee for continuous advice and management.
    • Often more affordable for those without substantial investable assets.

Choosing the suitable model depends on your financial situation, goals, and the type of relationship you prefer with your advisor.

In today’s complex financial landscape, cookie-cutter solutions fall short. That’s why we take a personalized approach to your financial goals. Here’s what you can expect:

We begin by getting to know you—your needs, goals, and vision for the future—so we can understand precisely what you want to achieve.

Next, we design a custom portfolio tailored to your unique risk tolerance and objectives. We clearly explain our process, ensuring you know what to expect from us and your accounts.
Our active portfolio management means we regularly review your investments, make adjustments as needed, and stay on top of market research to incorporate new opportunities into your strategy.

Unlike advisors who overlook taxes, we prioritize tax-efficient investing, helping you keep more of your hard-earned money by minimizing tax impacts.

You’ll receive regular updates, frequent reporting, and 24/7 online access to your accounts, so you’re always informed and in control.

ebook

Our Complimentary eBook discusses the many considerations to be made on the path towards retirement, especially in the final years leading up.

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