The Harry S. Lodge & Associates Experience is about your goals and your future.  It starts with a conversation typically lasting 45-60 minutes in duration. We discuss where you want to be and what type of lifestyle you want to live while getting there. Then we analyze your present circumstances, resources, and objectives, and develop a tailored financial plan. Once the plan is in place, we recommend strategies to help accomplish these goals and keep our clients focused on the path to realizing their dreams, even if those dreams change over time.

Answering life’s big financial questions – "When can I retire?"…"How much should I save?"…"How much can I spend?" – may seem daunting, especially in light of increasing complexity in markets and tax regulations.  So too can specific decisions such as refinancing a home or timing the receipt of Social Security benefits.  Our process is designed to address all of these concerns in the context of the client’s big picture.  We develop a cohesive roadmap for each client, always prepared for course adjustments as goals and needs change.

We will schedule regular meetings with our clients and assist in the management of financial affairs. We regularly evaluate our clients’ plans, making necessary adjustments and revisions to maintain direct alignment with each of their goals.

To help our clients maintain or enhance their lifestyle long into retirement, we have designed a comprehensive process that enables us to fully understand your needs and concerns and then develop a financial plan and recommendations to help you make important decisions with confidence and enjoy life.  To develop a solid financial or investment plan, it is important to establish trust with your advisor so that you can feel comfortable articulating your needs, wants, and wishes.  Our financial and investment planning process is:

Step 1:  Complete Financial Analysis

You are a unique investor, and we believe in customizing portfolio strategies based on your unique goals, financial needs, time horizons, and tolerance for risk.  First, we need to understand what your financial position is today.  Together, we will tailor an investment strategy based on a detailed analysis.

Step 2:  Portfolio Construction

According to leading experts, portfolio performance is mostly driven by appropriate asset allocation.  Having the right mix of stocks, bonds, and cash is more important than selecting the right security or investing at just the right time.  That is why an investment must follow a disciplined strategy and be monitored on a regular basis, while remaining flexible enough to adjust to ever changing market conditions.  Choosing the appropriate model requires a thorough understanding of your tolerance to risk and a commitment to a minimum time horizon.

Asset allocation does not ensure a profit or protect against a loss. ​

Step 3: Implement the Plan

After selecting an investment portfolio, we will assist you in completing required documents necessary to implement the strategy, and will transfer your assets into your new account.

Step 4: Monitor Performance

Your portfolio will be constantly monitored and never left to chance.  Using disciplined and expert advice, we will help you move toward your financial goals.  Changing economic conditions are often accompanied by the market forces that directly affect your portfolio and prompt the need for realignment of the asset classes.  We will annually rebalance your account to bring the assets back into balance when needed. 

No strategy assures success or protects against loss.