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Services Offered

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Investment Management Services

We provide discretionary and non-discretionary investment advice and management to our clients’ accounts. Our advice is customizable with each account and managed to the needs, guidelines and risk tolerance of our clients. Additionally we will at times recommend one or more third party investment managers to assist with discretionary management in areas that we feel are suitable for our clients.

Investment Strategies

OUR PHILOSOPHY

AT ASCEND, WE BELIEVE OPTIMAL OUTCOMES FOR OUR CLIENTS CAN by:
1
UNDERSTANDING THE TRENDING ECONOMIC ENVIRONMENT (TOP DOWN ANALYSIS) OF THE MARKETS.
2
USING ASSET ALLOCATION TO DIVERSIFY RISK.
3
CHOOSING THE BEST INVESTMENTS TO EXPLOIT THE CONDITIONS.

OUR RULES (BORROWED FROM SOME OF THE BRIGHTEST INVESTMENT MINDS) ARE SIMPLE:

“Don’t Fight the Fed” – The Federal Reserve’s monetary policy is a good barometer of the overall economy. When the Fed lowers interest rates, companies can borrow more easily, and, as a result, stocks often bring in fairly reliable returns. When rates rise, we take that as a sign to be a little more cautious.

“Beware of the Crowd at Extremes” – When the market is at an extreme high or low, crowds tend to either overbuy or oversell, respectively. We think these are especially bad times to follow the crowd. As Warren Buffett says, “I will tell you how to become rich: Be fearful when others are greedy. Be greedy when others are fearful.” In short, patterns will revert to mean averages in the end.

“The Trend is Your Friend” – No one can consistently predict the behavior of the stock market day in and day out, but there are places where you can see long-term trends moving upward. When we see a positive, relatively consistent trend, that’s where we want to be.

No model or tool works 100 percent of the time, but if we employ investment decisions based upon these rules and set our procedures to act when shifts occur, we can attempt to avoid the tail risk or extremes that bludgeon portfolios and take years to recover from.

Ascend Financial Consultants will access, align and adopt how markets work to position our clients for investment success.

We Also Believe

EVERY INVESTMENT SHOULD SERVE A PURPOSE, SO WE INVEST ACCORDING TO YOUR DESIRED OUTCOME USING THE FOLLOWING LIST AS A GUIDELINE.
Inflation Protection
  • Cash alternatives
  • Money market instruments
Income Stability
  • High quality bonds
  • Income annuities
  • Quality companies that pay dividends and raise their dividends
Growing Income
  • High growth U.S. equities
  • International developed equities
  • Emerging market companies
Growth
  • Commodities
  • Treasury Inflation Securities
  • Infrastructure
  • Inflation sensitive equities
Aggesssive Growth
  • High yield
  • Emerging markets debt
  • Master limited partnerships (MLPs)
  • Equity income stocks
  • Preferred stocks
  • REITS

Financial Planning Services

AFC’s financial planning services range from comprehensive planning to more focused consultations depending upon the needs of the client. Recommendations from planning are based upon clients’ financial situation from the information provided to AFC. Assumptions are made within the planning application. We typically waive our planning fees for clients that are receiving Investment Management Services. Clients that wish to hire us for our planning services are under no obligation to use our investment management services.

Everyone has three buckets of money — it’s how we fill the vessels, maintain them and plug the leaks that helps us become successful at juggling our economic life.

1

EMERGENCIES

2

INVESTMENTS

3

RETIREMENT

Even Warren Buffett can break his money down into these three areas (although he may need barrels instead of buckets). While there is a lot more to financial planning than a few pails, this simple illustration is where we begin. From there, we engage in comprehensive planning and help you plan to achieve your goals.

Unlike advisors who provide financial planning as it pertains to a select group of funds that they work with, whether those funds make the most sense for you or not. As a Registered Investment Advisor, Ascend is free of such constraints, meaning we can provide you with a wide variety of investment options that can accommodate your goals.

A well-designed financial plan can help build a solid foundation for your long-term goals. We believe that frequent communication and a clear understanding of your needs are of utmost importance when developing the proper investment strategy.

Pension Consulting Services

AFC offers pension consulting to qualified and non-qualified retirement and deferred compensation plans. Services include but are not limited to: review and/or development of an investment policy statement, analysis, review and recommend investment selections, asset allocation advice, communications and education services.

Online Investment Management Services

AFC offers an automated investment program that is perfect for investors that are in the early stages of accumulating savings for investment and want a professionally designed portfolio delivered digitally that is simple, efficient and low cost. We have designed Peak Portfolios that offer smaller account size minimums and we use Charles Schwab & Company’s brokerage platform to administer our program.

Peak Portfolios

Comprehensive, low-cost entry-level solutions

This offering is designed for investors who want the efficiency, low cost, and lower investment minimums of a model-driven automated investment strategy, coupled with a grounding of professional advice. It is ideal for those in the early stages of growing their assets.  

Through our partnership with Schwab Wealth Investment Advisory, we provide access to a set of diversified portfolios consisting of exchange-traded funds, mutual funds, and an FDIC-insured cash allocation. We begin with determining your investment objectives and assessing your risk tolerance. This guides us in designing your portfolio model, choosing the automated strategy that best fits your needs, and selecting from the extensive menu of mutual funds and ETFs Schwab makes available to us. We also employ Schwab’s technologies to streamline the investment selection, trading, portfolio monitoring, and rebalancing processes. Our fees are reduced and the minimum investment is $5,000.”

Let us help you find your investing purpose with Peak
PEAK PORTFOLIOS
PLEASE CLICK TO COPY THIS PROGRAM KEY TO ACCESS THE PEAK

Your Future is Waiting