Bowers Capital Management
Can You Fund Your Goals?

What are your goals?

When can we retire?  Will we have enough retirement income?  Will we be able to maintain our standard of living?  Will we outlive our money or will our money outlive us?  How much can we travel during retirement?  Can we afford to pay for college?  Do we have enough life insurance?  Will my spouse have enough  income after I die?

Our Value Proposition to You

If you stand straight, do not fear a crooked shadow."

~Chinese Proverb

My value proposition is my statement that explains:

  1. What I do,

  2. The probable value of what I do,

  3. That the value of what I do is worth more than what you pay for it.

I manage investment accounts, prepare and maintain financial plans, and offer advise.  My approach is goal-focused and planning driven, rather than being based on some attempt to outguess the economy or the markets, which can't be done anyway.

 So the first thing to do is determine:

  • What it is you are trying to accomplish.

  • How much time you have in which to accomplish it, and

  • What assets you bring to the table in the effort to accomplish your goals.

Then together we formulate an investment strategy.  Only then do I design a diversified portfolio of investments, which, at long-term historical rates of return (or any assumed rates of return that you and I choose), will get you to where you want to go.

Once we’ve created a high quality portfolio of investments that are well-suited to your goals, I become, in a very real sense, your behavioral coach—helping you to continue to make good decisions and avoid bad decisions, about what to do—and what not to do—regarding the portfolio.

I don’t say that the investments I recommend will always outperform other investor’s investments.  I certainly don’t rule it out; I just can’t promise it—nor can any other advisor—and it has almost no connection with what we do for our clients & the value we bring to the table.

I do say that by using the principles I practice, you should end up with a far better lifetime return than do other investors; because other investors will not behave appropriately.

  • They will speculate at the top of the market.

  • They will panic at the bottom of the market.

  • They will buy into fads and trends and believe that advice from the media is a good thing.

  • They will make the big mistakes.

  • They will compound the problems already created by the 2008 stock market.

  • They will proceed without a plan.

They will do this--not always through improper selection and timing--but through bad investment behavior fueled by emotions; and is as predictable as the sun will shine tomorrow.

For as long as you are my client, I will keep you from making the big mistakes.  The pickup in return from not making those mistakes should be huge and an enormous force in your long-term returns.

Sometimes great advice can be counterintuitive, so I ask you to “trust the messenger more than the message.”  My advice to you will always be what I believe is in your long-term best interests.

I offer a well tended plan, objective asset management, and sound advice at critical market junctures.  That’s what I do for you.

~Bill Bowers