Investment Case Studies
At Woodmont Investment Counsel, our goal is to provide a personalized strategy for the accumulation, protection, and transition of our Clients' wealth. The following examples illustrate how Woodmont has helped individuals, families and organizations manage financial assets and meet their goals.
These results may not be typical for all clients. Past performance does not guarantee future results.
Investment Case Study #1
A married couple in their mid-40’s retained Woodmont after the husband sold his company. The couple interviewed financial advisors, banks and brokerage firms, but felt most comfortable (after speaking with several references) with Woodmont’s business model, our independence and high level of client service.
We completed a detailed financial plan with the assistance of a local accountant and established a long-term investment plan to meet the couple’s growth and income needs.
Fortunately, we elected to dollar-cost average into a broad range of investments throughout the 2008 financial crisis and this client is now enjoying the financial benefits.
Investment Case Study #2
A newly divorced woman in her 50’s contacted Woodmont seeking investment counsel. Her divorce settlement included personal and retirement account assets that were concentrated and generated little income.
After establishing investment accounts with a national discount broker, we completed a detailed financial plan outlining assets, liabilities, income requirements and risk tolerance. Our client refinanced existing debt and we began diversifying investments to reduce risk and generate income.
Our client now enjoys receiving a monthly remittance (electronically delivered to her checking account at no cost) to supplement her income and feels secure about her financial future.
Investment Case Study #3
A widow in her 70’s contacted Woodmont and asked for an evaluation of her investment accounts. We discovered her investments were not consistent with her conservative risk profile. Specifically, she had an aggressive asset allocation that included a large weighting in emerging market mutual funds and risky small-capitalization stocks.
She retained Woodmont to diversify both personal and retirement account assets and generate income to meet living expenses. We purchased high quality individual bonds, low-cost and broadly diversified exchange traded funds (ETFs) and blue chip equities with attractive dividends.
Investment Case Study #4
A lawyer in his 60’s contacted Woodmont after becoming dissatisfied with his financial advisor who worked at a traditional brokerage firm.
During our portfolio evaluation, we discovered the client held large positions in proprietary mutual funds with significant unrealized losses in both personal and retirement accounts. Regrettably, the broker sold mortgage-backed securities mutual funds as CD alternatives prior to the 2008 economic crisis. Woodmont was retained to structure a broadly diversified portfolio to meet the client’s growth and income needs and to harvest unrealized losses as part of a long-term tax planning strategy.
Today, this client’s portfolio consists of high quality individual bonds (tax-exempt in a personal account and corporate bonds in an IRA) and a combination of passively and actively managed funds.
Investment Case Study #5
A local not-for-profit organization was referred to Woodmont when its Board of Directors sought a new direction for its endowment. Woodmont made a formal proposal to the Board and was retained to manage funds.
We worked with the finance committee to learn more about the organization’s income requirements. We helped strengthen the investment policy statement and implemented a long-term investment strategy to meet the not-for-profit’s goals for growth and income.
Today, Woodmont partners provide regular portfolio updates to the Board and the organization is better positioned to make long-term financial projections. Additionally, we meet with prospective donors who are considering planned giving as part of their estate plan.