Independent, Evidence-Based, Fixed Fee Financial Planning

At Cadre Wealth, we take an evidence-based approach to investment management, a philosophy rooted in decades of academic research and data-driven analysis. Instead of chasing trends or trying to time the market, we focus on creating well-diversified portfolios designed to efficiently capture the returns that markets naturally offer over time.

Key Elements of Our Investment Approach:

• Diversification Across Asset Classes: We believe in spreading investments across a wide range of asset classes—stocks, bonds, real estate, and more—globally. This reduces risk while positioning the portfolio to benefit from various sectors and markets, increasing the likelihood of stable long-term growth.
• Focus on Long-Term Returns: We prioritize long-term investment horizons, helping you avoid the emotional pitfalls of short-term market fluctuations. By maintaining a disciplined approach, we help our clients achieve consistent growth that aligns with their goals.
• Cost Efficiency: Minimizing investment costs is a key aspect of maximizing returns. We often use low-cost index funds and ETFs that track broad segments of the market, reducing fees without sacrificing performance. This allows us to deliver more of the market’s returns to you.
• Disciplined Rebalancing: Regular portfolio rebalancing ensures that your investments remain aligned with your risk tolerance and objectives. This disciplined process helps manage risk by adjusting asset allocations back to their target levels, particularly after market movements.
• Tax Efficiency: We integrate tax-efficient strategies into portfolio management, including tax-loss harvesting and strategic asset location, to minimize tax drag on your returns. This approach maximizes after-tax returns while staying aligned with your financial goals.
• Scientific and Historical Data: Our evidence-based approach is supported by extensive academic research, historical performance data, and modern financial theory. By avoiding speculation, we offer a clear path to achieving your long-term financial objectives with confidence.

Please note the following risks:

The value of investments and any income from them can fall as well as rise. You may not get back the full amount invested.

The taxation of the investment is dependent on the individual circumstance of each investor, and may be subject to change in the future.

We understand that successful financial outcomes are not just about strategies and markets; they are also shaped by your behaviors, emotions, and decision-making processes. Our behavioural coaching services are designed to guide you through the psychological challenges that often accompany financial management, ensuring that you make rational, informed choices that align with your long-term goals.

Key Elements of Our Behavioral Coaching Approach:

• Navigating Market Volatility: Emotional reactions to market downturns or volatility can lead to poor financial decisions, such as panic selling or abandoning long-term strategies. We help you stay calm and focused during periods of uncertainty, providing the guidance and reassurance needed to stick to your plan.
• Avoiding Common Behavioral Biases: Investors often fall prey to biases like overconfidence, loss aversion, and herd mentality, which can harm long-term performance. Our coaching helps you recognise and overcome these biases, ensuring that your decisions are driven by logic and evidence, not emotions.
• Maintaining a Long-Term Perspective: It’s easy to get caught up in short-term market movements or sensational headlines. We coach you to focus on your long-term objectives, reminding you that temporary fluctuations are part of the journey and not a reason to deviate from a sound financial plan.
• Encouraging Disciplined Decision-Making: Successful financial planning requires discipline, especially when it comes to sticking to an investment strategy or savings plan. Our behavioral coaching reinforces the importance of consistency, helping you avoid reactive decisions that could derail your financial future.
• Promoting a Balanced View of Risk: Everyone has a unique tolerance for risk, but emotional reactions can skew how we perceive it. We work with you to develop a clear understanding of your risk tolerance and encourage rational risk-taking that aligns with your goals, helping you avoid unnecessary anxiety or overly conservative actions.
• Reducing the Impact of Regret and Overthinking: Many investors experience regret after making a financial decision, especially when outcomes don’t immediately align with expectations. Our coaching helps reduce the psychological burden of regret by focusing on process-driven decision-making, rather than outcome-based thinking.
• Aligning Financial Behavior with Life Goals: We help you maintain a strong connection between your financial behavior and your personal goals. By consistently reinforcing the link between daily financial decisions and the achievement of long-term objectives, we empower you to stay motivated and on track.