Great Things Come in Small Packages
The old cliche is true, some of the best things come in the smallest packages. Take for example mobile devices and cellular telephones. As they continue to get smaller, they also gain more and more computing power. In fact, today’s iPhones can do more in their miniature, handheld package than some of the first computers which were large and incredibly bulky. The same can be true when it comes to business. Size is not necessarily an indication of capability, knowledge, expertise, or experience.
Boutique asset management firms are changing the landscape of the financial industry. They are often made up of advisors who left larger firms in order to start their own, more customized, wealth management firms. Benedetti, Gucer and Associates (BGA) is a group of financial advisors based in Atlanta, Georgia who have developed a reputation for integrity, honesty, foresight, and professionalism. The BGA team is made up of six individuals with a broad spectrum of knowledge and experience, and they bring their cumulative understanding of the financial services industry to the table for every one of their clients.
The professionals at Benedetti, Gucer & Associates are dedicated to helping their clients realize their financial goals. Their team of experts is led by managing partners Jaime Benedetti & Bob Gucer. These wealth advisors will help you navigate the ever-expanding investment options available, and help you to “separate the wheat from the chaff.” The endless array of stocks, bonds, mutual funds, ETF’s, private equity and hedge funds can make it very difficult to differentiate between quality investment vehicles and over-priced, well-marketed ones. Coupled with an economic landscape that is both unpredictable and constantly changing, it is no wonder that so many individuals feel intimidated when making financial decisions.
The advisors at Benedetti, Gucer and Associates take pride in getting to know their clients, understanding their goals and crafting financial plans that align with those objectives. They will take the time to sit down with you one-on-one to discuss your plans for the future, and help you map out the different ways to reach your financial objectives. This approach involves two distinct areas: the first is having the financial expertise to properly evaluate the wide array of financial products available, the second is caring enough about their clients to get to know them, their goals, and their values. Only by taking the time to do both of these things is it possible to implement the proper solution in the most cost effective manner.
When you meet with an advisor at Benedetti, Gucer & Associates, they will evaluate your financial situation, time horizon, goals, and risk tolerance to create a sophisticated, and customized, plan to meet your short- and long-term financial goals. They will collaborate with you to realign your current and potential holdings through a holistic approach using a variety of assets classes and investment options. This detailed approach ensures you are poised for financial security.
When it comes to money management, there are many options for long-term savings. You can invest through your 401(k), a Roth IRA, a 529 plan, a traditional savings account, a collection of bonds, life insurance, or stock options; the choices are almost endless, and there is an investment solution to fit nearly every lifestyle. Each of these options comes with it own unique tax consequences, risk profile, and potential return, not to mention availability of the funds. This is further complicated by the fact that access to each of these vehicles will vary from client to client, depending on their income, age, and the sources that they derive their income from. If all of these potential variables are not wholistically taken into account, there will likely be tax inefficiencies, overlapping investments, and ultimately higher risk and lower returns. This is why it is so important that your advisor has extensive knowledge of the financial landscape AND is intimately familiar with your individual situation.
Benedetti, Gucer and Associates operates as a Registered Investment Advisor (RIA). An RIA is a fee-based fiduciary required to put their client’s interests above their own. RIA’s help clients manage their wealth, but they have more legal obligations than financial advisors who are not required to act in a fiduciary capacity. In fact, they are actually bound to the principles of the Investment Advisers Act of 1940, meaning they are obligated by law to disclose any possible conflicts of interest. So when you consult an advisor at BGA, you are seeking the guidance and advice of someone held to a higher moral and legal standard.
One of the biggest benefits of working with an RIA is that they can provide candid, unbiased advice since they operate in an environment with fewer conflicts of interest. If you are working with an advisor at a big-bank advisory firm, be sure to ask them if they act in a fiduciary capacity (on ALL of your accounts, not just some of them). You may be surprised by the answer.
In addition to partnering with individual clients to provide wealth management, Benedetti, Gucer and Associates also specialize in corporate retirement plans. In fact, BGA manages over 900 accounts with assets totaling over $100 million, and many of those accounts are for businesses investing in their employee's futures with options like 401(k)’s, Profit Sharing Plans, and Defined Benefit Plans.
As a boutique firm, Benedetti, Gucer & Associates, aims to do great work for a few good clients. Their cumulative industry experience and their unique team approach also provide continuity for their clients; a benefit you receive regardless of which advisor you meet with within the firm. Continuity may not seem like a big issue, but have you ever wondered who would manage your accounts if your advisor were hit by a car? Would it be the junior broker who is fresh out of college and doesn’t even remember your name?
Unlike their competition, the staff at BGA is not spread too thin. This is by design, so that they can offer more personalized service and attention to detail for each account. Sometimes size matters, but just a often it can be a hindrance. By choosing to invest your money with the knowledgeable professionals at Benedetti, Gucer and Associates, you get a sense of security that comes from the legal obligation to do what’s right for you, plus the resources of an entire firm committed to providing the highest level of service to each of its valued clients.
The views expressed represent the opinions of Benedetti, Gucer & Associates and are subject to change. These views are not intended as a forecast, a guarantee of future results, investment recommendation, or an offer to buy or sell any securities. The information provided is of a general nature and should not be construed as investment advice or to provide any investment, tax, financial or legal advice or service to any person.
Additional information, including management fees and expenses, is provided on Benedetti, Gucer & Associates’ Form ADV Part 2, which is available upon request. The use of the term “RIA” does not imply a certain level of skill or training.
The Five Star program is the largest and most widely published wealth manager award program in North America. The research process for the Five Star Wealth Manager firms and peers nominate award candidates. Award candidates are evaluated against 10 objective criteria to determine the Five Star Wealth Managers in more than 40 major markets. These ratings should not be construed as an endorsement of the adviser by any client nor are they representative of any one client's evaluation.