"> Our Client Experience - Argent Bridge Advisors

Our Client Experience

HOW WE'LL HELP YOU

ACHIEVE YOUR WEALTH GOALS

We are an independent advising firm of Wealth Advisors & CERTIFIED FINANCIAL PLANNERS™ serving generations of families in wealth planning. Our focus is connecting uncertainty with clarity through education, empowerment, and connection.

We want you to understand your options, give you all the information to make the most educated decision, and walk side-by-side with you through the process to help you meet your life’s biggest goals. Our team of advisors is dedicated to one thing – your success.

We engage our clients in a variety of wealth management and future planning services, including:

  • Financial Organization and Accountability
  • Capital Preservation Solutions
  • Investment Management
  • Retirement Readiness
  • Education, Charitable and Family Gifting Strategies
  • Legacy Transfer Strategies
  • Life insurance/Long Term Care
  • Concentrated Stock and Stock Option Analysis
  • Coordination of Planning with Attorney and Accountant
  • C-Suite Executive Retirement and Legacy Planning
  • Pre- and Post-Divorce Financial Analysis and Planning

OUR THREE-PRONG

APPROACH

Education

We’re committed to offering independent, researched information and resources to help you make the best decision. We strive to educate you on:

  • Investment Basics
  • Investor Behavior
  • Risk Mitigation
  • Lifetime Earnings
  • Stock Market Perspective
  • Portfolio Income
  • Tax Reform & Policy Changes
  • Wealth Management Options

Empowerment

Through our education strategies, you’ll get confidence in our process to make the best financial decisions for your future and goals. The process includes:

  • Goal-Based Planning
  • Ongoing, proactive Investment Monitoring
  • On-demand delivery of information
  • Real-time portfolio updates
  • Multi-generational investing programs

Connection

We have a true vested interest in you and your success. We want to be part of your circle and celebrate as you achieve your wealth goals with you.

As pillars in our community, we have close connections with a network of specialty attorneys, realtors, divorce lawyers, mediators, judges, mental health coaches, and more that serve as valuable resources for our clients.

Working with us means having a team on your side that truly cares.

ARE WE A

GOOD MATCH?

When you partner with Argent Bridge Advisors, you become part of our family of exclusive clients and team members who value your success.

Who We Serve

Sudden Wealth Advisors

Multi-Generational Wealth

Multi-generational wealth planning helps ensure that a family’s wealth and legacy are properly managed and passed from one generation to the next, ensuring a healthy financial picture endures to benefit younger generations.

We are a multi-generational team serving multi-generations, which allows us to offer a unique perspective that allows us to understand your unique needs and make custom plans accordingly.

Retirement & Estate Planning

Planning  ahead  is  your  most  important  asset  for  a secure  future  and  comfortable  life  for  you  and  your  family.

Our  Wealth  Advisors  are  well-adverse  in  providing comprehensive  retirement  and  estate planning.

Nothing  is  ever  guaranteed,  but  our   goal   at   Argent  Bridge   Advisors   is   to   future  -   proof   your  finances   in   order   to   provide  you   comfort  and   security.

Executive & Entrepreneurial Planning

You've tirelessly pushed yourself and toiled endlessly to achieve great things in your professional life. Whether you've started a successful business or you're a C-Suite executive who has risen through the corporate ranks, we're here to support your financial goals with your wealth.

Let us help you take your achievements to the next level by creating a fortified financial plan to achieve your wealth goals.

Divorce

We know how long and arduous it is to get divorced, especially if there is a high amount of investable assets. The process can be confusing to navigate, but Argent Bridge Advisors is here to help. With two CERTIFIED DIVORCE FINANCIAL ADVISORS® on staff, we make a powerful addition to any team assisting with divorce.

Our divorce program is separate from our financial planning programs, so there is no long-term commitment required. Our connections in the community include estate attorneys, divorce lawyers, mediators, judges, mental health coaches, and more - they serve as valuable pillars in our divorce program.

To learn more about our Divorce initiatives, click here.

Other Services

As independent advisors, we're dedicated to meeting your unique needs. We accept many clients from various walks of life to assist with meeting their wealth goals.

If we haven't mentioned your unique situation, reach out to us. We're always looking to bring clarity to all sorts of wealth planning.

CLIENT

QUALIFICATIONS

As a general rule, our financial planning clients have at least $1M in investable assets. Our in-depth knowledge and experience make us well-equipped to manage the complexities of higher value assets.

SERVING

YOUR NEEDS

At Argent Bridge Advisors, we're dedicated to our clients and passionate about delivering solutions to empower you to make the most of your wealth. We offer a variety of services and we're dedicated to helping to assist with...

  • Financial Organization and Accountability
  • Capital Preservation Solutions
  • Investment Management
  • Retirement Readiness
  • Education, Charitable, and Family Gifting Strategies
  • Legacy Transfer Strategies
  • Life Insurance and Long-Term Care
  • Concentrated Stock and Stock Option Analysis
  • Coordination of Planning with Attorney and Accountant

YOU MIGHT BE

WONDERING

What's a Certified Financial Planner™?

CFP® professionals take a holistic, personalized approach to bring all the pieces of your financial life together. As part of the CFP® certification, CFP® professionals also have made a commitment to the CFP Board to act as a fiduciary when providing financial advice to a client.

This means we are committed to putting your best interests first, so we can provide you confidence today and a secure tomorrow.

The CFP® Board of Standards administers and manages all initial and ongoing certification

What's an Independent Firm?

Being independent means that we are free to choose from almost any investment company, product type, market sector, cost structure, and tactical outlook. We do this with a mind for transparency, liquidity, and simplicity.

Independence allows us to operate primarily on a fee basis which simplifies the cost of services for the client and allows us to move forward with the goal of scaling down the cost as assets may grow. Additionally, fee-based investing encourages us to include cost-effective investment vehicles like ETFs and institutional-share mutual funds.

What is a Certified Divorce Financial Planner® (CDFA®)?

A CDFA® is a financial professional who has the requisite test results and experience level to be certified to help people navigate the specific money issues that come up during a divorce.

What is a Fiduciary Financial Advisor?

A fiduciary financial advisor is an investment professional who is licensed with the United States Securities and Exchange Commission (SEC) or state regulators. Fiduciary advisors are important for clients because they are legally required to put clients' interests ahead of their own.

FINANCIAL vs DIVORCE

PLANNING

We're dedicated to catering to the unique needs of each client and recognize that our divorce planning clients require different support than our standard financial planning clients.

We want to support you through all of your life changes, but understand that sometimes our role is simply temporary. But, remember, our doors are always open for you.

Click here to learn more about your divorce planning options.

What It's Like Working with a CDFA

Want to learn more about working with a Certified Financial Divorce Analyst® to help navigate your divorce? Click here to watch the video and see what it's like to have an Argent Bridge Advisor CDFA® on your team. If you're still curious about how Argent Bridge Advisors can help you with a fortified divorce plan, click here to learn more.

We Can Support You With

  • Marital vs Separate Assets
  • Balance Sheet of Assets and Liabilities 
  • Income and Expenses
  • Tax Consequences from Asset Division 
  • Pension Valuations
  • Cash Settlements for Misuse of Marital Funds
  • Restricted Stock Options 
  • Spousal Support Analysis
  • Cash in Lieu of Support 
  • Witness/Trial Testimony 
  • On-Call During Mediation Negotiations or Court Settlements 

OUR APPROACH TO

INVESTING

Asset Allocation

The most primary tenet of investing for our clients is diversification. Investing across multiple asset classes is a fundamental principle at Argent Bridge Advisors.

We believe it not only avoids the risks of being too concentrated, but also gains exposure to segments which perform well. These include US stocks, international stocks, emerging market stocks, real estate, commodities, and multiple types of bonds among others.

Independent and Fee-Based

Our pragmatic approach to investing is to start with asset allocation, focus on risk control, pick from the best investment vehicles out there, and select investments which have a superior balance of performance, risk, and cost.

We follow this up with constant monitors and periodic reevaluation at the allocation level, investment strategy level, and right down to the client portfolio level. Investment management is just one element of financial planning and we believe our diligent, patient investment approach forges the way for client success.

WEEKLY MARKET

INSIGHTS

Each week, Joe Gallemore, CIMA® Partner & Director of Investment Management for Argent Bridge Advisors, gives his insights on the state of the markets and potential futures. Here are some of his most recent updates!

[Market Recap] Cup of Joe: Mid-January Market Update

2022 Recap – There was no shelter from the storm.
S&P 500 ended -18.1%
US Mid Cap, US small cap, International & Emerging market stocks all down -14 to -20%
The US Aggregate Bond Index had its worst calendar year ever.
Bottom line, everything outside commodities and energy stocks experienced significant repricing.
▪ Even cash, which stays stable.  After 7-8% inflation, your dollar today only buys you 92% of what it did a year ago.
A cautionary tale about investing and chasing performance:
▪ The tech sector was down -28.2% in 2022. At the start of the year, 8 or 9 of the Top 10 stocks in the S&P 500 were tech and the weight of that whole sector in the index was 30.5%.
▪ Lets look at the Tech Darlings: Apple, Amazon, Facebook (Meta Platforms), Google, Microsoft, Nvidia & Netflix. The AVERAGE performance of those stocks was -43.4%.  The BEST performer was AAPL at -26.3%.  Neither of these stats include Tesla, which clocked in at -65% last year.
▪ Two lessons to be learned here from the run up in tech and the year it just had:
1 Don’t become over confident.
2 Diversify. Index concentration was a double-edged sword.

Looking Forward – We expect this to be a year of change for inflation, Fed policy, global economy, and hopefully war.

Stick to your investment plan.  If you need a reminder of what that is, ask your advisor!  Stay the course and don’t capitulate!
▪ The stock market is not the economy, and the economy is not the stock market.  And differentiating those two with what you hear on the news can be really tough.
▪ [Historically] The stock market has started its long term recovery weeks or months before the economy bottoms.  The market wants to recover, it just needs to believe that sufficient uncertainty economically and structurally has subsided.

There’s lots of reason for hope…

▪ The Fed has already pulled it out of 5th gear and intends to keep moderating the its pace as long as inflation cooperates.
▪ Unemployment is still very low.
▪ Consumer behavior also has the potential to pull inflation down faster which would likely imply shifts in policy and market sentiment.
▪ Regarding the global economy China, has reversed its Zero-Covid policy with intentions of reigniting its economy… a major plus.
▪ Also, and somewhat counter-intuitively, the fact that it “feels” so bad may not be the worst thing historically.  S&P 500’s 7th worst calendar year, home prices and purchases are way down, inflation has been extremely elevated for a whole year, just to name a few.  This brings to mind the old adage “it’s always darkest before the dawn.”  And if you have any faith in the experience and wisdom of Warren Buffett, “Be greedy when others are fearful, and be fearful when others are greedy“.

But lets be conservative with our expectations… 

▪ External factors at play – Inflation is a wild animal that can surprise out of the blue, and global headlines always have the potential to stunt things.
▪ If you’re trying to play [[this bear market and recession by]] the numbers, since WWII the average recessionary Bear market has lasted about 15 months.  The Dot com market in early 2000s lasted just over 2 years, Great Financial Crisis of 2008 lasted 17 months, Covid crash of 2020 lasted 5 weeks.  In our current edition, the average of 15 months lands us at March 31 of this year.
▪ So we believe the prudent thing is to expect continued market volatility, for at least the first half of this year.  The longer it goes, the greater the odds get that the worst is behind us.

So remember, stick to your plan, control what you can control, tune OUT the noise, and have faith in perseverance.

[Market Recap] Cup of Joe: Early Dec Market Update

Take a look at last week’s market recap from Joe Gallemore, CIMA® Partner & Director of Investment Management for Argent Bridge Advisors. Watch the video now!

  see more →

[Market Recap] Cup of Joe: Beginning of Nov Market Update

Take a look at last week’s market recap from Joe Gallemore, CIMA® Partner & Director of Investment Management for Argent Bridge Advisors. Watch the video now!

  see more →

OUR PARTNERS IN

SUCCESS

Custodian

Custodian

Broker/Dealer

Asset Management Firms

I'M READY TO CHAT!

PLEASE REACH OUT TO ME.

We'd love to connect with you and work together to build a bridge to your successful financial future.