"> 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: May 2024 Market Update

 

Markets in May

  • Headlines have dominated the market the past two months and the week-to-week market direction has been manic.
  •  $10,000 invested in the S&P 500 in 1970 grew to over $2.6M at the end of March 2024, ignoring fees and taxes.  During that period of time:
    • From 1965 to 1981 the top marginal tax rate was 70%.  Only after 1987 did it come down under 40% where it has been since.
    • Interest rates were above effectively above 5% from 1972 to 1991.  Almost 20 years, during which the market was up almost 8x!
    • Price Corrections (a 10% decline in the index level) happen, on average, every 22 months.  We usually don’t even make it 2 years without a bumpy drawdown.
    • There have been 8 US recessions since 1970 an average of 1 every 6.6 years.
    • This period of time is littered with headlines both bad and good: terrorist attacks, war, natural disasters,  the birth of the personal computer, the fall of the Berlin Wall, and the invention of the iphone.  But the point is that the market perseveres.
  • We find ourselves in a time where things are generally ok… Equity markets are positive, US GDP growth is positive, unemployment rate is still really low.  We are just experiencing a lot of mixed signals which can sometimes be confusing and unsettling for investors.
  • Headlines cause short-term movements
    • 2023 was a great year but it wasn’t a straight line to +26%.
    • Also, when stock prices advance a lot, they take a breather.  And that’s what we saw with the market in April.
    • Think of headlines as tea leaves.  Don’t look at any one of them as the thing that’s going to change everything.
    • Staying invested is the most important thing you can do.

PLEASE LIKE AND SUBSCRIBE!

 

Joe Gallemore, CIMA®, Partner
Director of Investment Management

 

[Market Recap] Cup of Joe: April 2024 Market Update

 

Markets in April

  • March saw stock markets rise again with the S&P 500, NASDAQ, and DJIA indexes all closing Q1 at or near all-time highs. But there’s a lot going on underneath the surface.
  • A lot of economists and strategists have been predicting a slowdown in the US economy, instead it’s almost been the opposite of that. Many data points are coming in showing the US economy continues to be strong and resilient; at the same time the Fed is saying they will not cut interest rates before they are convinced of the inflation data.
  • This tug of war is causing persistent volatility week to week. And this past week, the S&P 500 had back to back days of 1% moves in opposite directions.
  • Nowadays the stock market is reacting to every little thing. The best thing to do is buckle your seatbelt and be patient. And in today’s stock market turbulence can come from a myriad of places. But as we’re seeing this year, even through pockets of volatility, the market will rise on positive news. And the labor market, US consumer, and economy at large have all remained unexpectedly strong.
  • Keep in mind that this stuff is impossible to predict. The market is sensitive right now and we think simply knowing that can help you stick to your investment plan, by not overreacting when the market over reacts.
  • Investing is hard, due in equal parts to 1) not knowing what’s going to happen, and 2) having to live with the uncertainty. Too many bad investment moves are made when an investor can’t calmly handle an emotional response to short term volatility and instead remain patient. And all volatility is short term.
  • So as the Macro landscape continues to change, if the market remains choppy, which we think it will, remain patient and confident. These environments typically present very good opportunities for active stock strategies and provide us good opportunities for rebalancing.

 

Joe Gallemore, CIMA®, Partner
Director of Investment Management

 

[Market Recap] Cup of Joe: March 2024 Market Update

 

 

MARKETS IN MARCH

The connection between stocks & interest rates.

  • Stocks have an inverse relationship with interest rates. When rates are rising, that is seen as a headwind for stock appreciation.  And the opposite is true, when rates are falling that is typically good for stock prices.
  • Further, interest rates almost always move in cycles. They trend one way and then trend the other way, like a pendulum.  They don’t alternate in rapid succession.
  • Now that rates have stopped moving the “bad” direction for stocks, and we’re waiting for them to start moving in the “good” direction, in our opinion there’s really only one thing that a long-term investor should be focused on, methodically moving cash or safety assets back into equities.
  • Also, when interest rates are cut, not only is that a tailwind for stocks, but what happens to the savings rates on your cash? Those go down, too. So when probability tells you stocks should go up and savings rates should go down, what seems like the smart move?

We saw this relationship play out in the markets in February. Anticipation of the Fed’s first rate cut encouraged money to go back into risk assets.

  • US stocks, small, mid and large alike, were up about 5% in the month. And Emerging Markets were also up almost 5% as well.
  • The boost in stocks, however, seemed to be at the expense of bonds, which dipped about -1.4% in February. However, with many bonds and bond funds still yielding over 4% and the expectation of multiple interest rate cutes this year, the return outlook for bonds is positive.

 Highlighting a couple of law changes in 2024:

  • Gift Exclusion Limit was raised from $17,000 to $18,000. This means you can gift $18,000 of cash or securities to someone without reducing the amount you can pass along tax-free in your Estate.
  • The contribution limits on all kinds of Retirement plans also went up this year. The most widely used would be accounts like 401Ks & 403Bs (this includes Thrift Savings Plans).  The contribution limit on these went up to $23,000 for 2024.  Other types of accounts such as Regular & Roth IRAs, SEP IRAs, SIMPLE IRAs all had contribution limits go up this year.  As did the catch-up contribution amount you folks over 50.  So be sure to ask your advisor or tax preparer if you can take advantage of these increases.

 

Joe Gallemore, CIMA®, Partner
Director of Investment Management

 

OUR PARTNERS IN

SUCCESS

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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.