Our Approach

At the heart of every financial plan is a dream: Your dream. As a firm, we design plans and build portfolios that are client-focused, offering practical advice and sound investment strategies to support your goals. It is our belief that the client-advisor relationship is paramount to protecting your assets and achieving long-term growth. We are committed to sharing our expertise with you so that you may be free to focus on living your best life.

Our Process

We invite you to meet with us so that we may get to know one another. In our initial consultation, we will learn more about who you are and what is important to you. We will discuss your current lifestyle and future vision as well as your career and retirement aspirations.

After our initial meeting, we will review your current investment strategy and create a new plan to assure you are on track to meet your goals. Then, we will meet again to present the strategy in a clear and comprehensive way so that you may make an informed decision about your financial future.

After a client-advisor partnership is established, we will periodically review your plan and work with you to make adjustments based on your life choices. Likewise, as financial markets go up and down, we manage the level of risk in your portfolio through periodic rebalancing.

We consider this a long-term partnership, and we will always be here to offer you guidance and answer any questions you may have. Together, we will define your personal definition of financial success and work with you to translate this into prioritized goals.

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Discovery

One of the most important components of any successful advisery relationships truly understands who you are as a person. With our discovery process, we focus on what is most important to you, both financially and personally.

Together, we will define your definition of financial success and work with you to translate this into prioritized goals.

Analysis

In order for us to thoroughly understand you situation, we will take a comprehensive inventory of your current financial position, including strengths as well as any gaps or improvements.

We also analyze the effectiveness, composition and expenses of your existing profile. By analyzing specific items for action, we can make sure that your goals and financial situation are aligned.

Development

Based on the analysis, we can develop a long-term wealth plan focused on getting you from where you are today to where you want to be in the future.

Through this process, we will address any items that need clarification and make alterations based on any additional information.

Implementation

The next step is the implementation of your plan. In addition to creating your investment portfolio, we also work with a team of financial professionals to address all the non-investment action items we’ve identified.

You will receive an Investment Policy Statement, which documents what we have agreed to and assigns responsibility and accountability.

Monitoring

Your life is never static, and your plan should be as dynamic as you are.   That is why our discovery process is ongoing, uncovering changes in your life and incorporating them into your overall plan, making adjustments as needed.  We will monitor your plan closely and provide clear and concise reporting.  Communication is key, and we will regularly check in with you to ensure your plan is reflective of your life.

Design, Build, Protect

While it is easy to get caught up in the state of the economy or the latest “hot” stock, we believe passionately that the way you invest should be aligned with where you are in your life…not with the short-term ups and downs of markets.

You should have a financial blueprint to help you manage your opportunities, needs, concerns and goals. We call this approach Evidence-based Investing and believe it makes good sense as you plan for both today and tomorrow.

There are three things to remember about how Evidence-based Investing can work for you and your family:

1. It focuses your investment portfolio on meeting your life goals.
It is an approach designed to help you manage towards your most important goals rather than to short-term market trends.

2. It is based on science and academic research.
It combines the latest discoveries in economics and investing with close to 90 years of market data and insights as well as in-depth studies of investor psychology and behavior.

3. It is a disciplined and structured approach.
It helps protect against the common behavioral mistakes that can compromise your long-term financial goals.

Find out how we help our clients Design, Build, and Protect their financial portfolios.

Working Together

At Mollot & Hardy, Inc., we believe that a better wealth experience requires a consistent investment approach that is based on financial science and grounded in real-world results.

We’ve proudly partnered with Loring Ward’s world class investment committee to help you meet your financial goals. The committee relies on financial research and economic theory to drive investment approach, portfolio construction, and asset allocation. Meet the investment committee, including Nobel Prize winner Dr. Harry M. Markowitz, that continually reviews our client portfolios to ensure that your investments are aligned with your vision for the future.