OUR PHILOSOPHY
The behind-the-scenes of how we build up the next generation of millionaires.
Working with Stash Wealth
Fee-only financial advisor
We charge a one-time flat fee for a personalized plan. This plan includes an investing strategy, savings strategy, and debt paydown strategy specific to you and your goals. After completing your plan, you are invited to join ongoing management (Stash Management) where the fee is based on your assets under management. The better you do, the better we do.
Custom financial planning
A good financial advisor will help take the guesswork out of living your best life and create a plan that enables you to spend your hard-earned money, guilt-free. But in order for that to happen, you need an advisor who knows how hard you work for your money and works equally hard to ensure you can enjoy it. As fiduciaries, your best interest is our only consideration.
Goals-based investing
With time on your side, you don’t have to stash all your money away for the future. Goals-based investing allows you to enjoy your life today while remaining on track for the future. Each goal you invest for (travel, private school, retirement) has a glide path associated so that the closer you get to the time you’d like to spend your money, the less risk of it not being there.
If time is money, quit wasting yours.
Book a call with a team member to find out if the Stash Plan is right for you.
Investment philosophy
Stash Wealth doubles down on investment principles that are proven to work. In an era of investing for the modern young professional, and with more opportunities than ever to get sidetracked, our methodology stands the test of time.
After all, “time in the market beats timing the market.”
Historically, most financial advisors have made their money by pushing exclusive investments onto naive investors. That era is over. Our advisors put your investment strategy in place, and then keep your investment strategy in place. From there we deploy our strategy based on the core tenets of behavioral finance, which is a fancy way of saying, we don’t let you be your own worst enemy.
We automate your monthly contributions to take advantage of dollar cost averaging (this is the buy low, sell high you hear people talk about.)
We rebalance your portfolio, typically on an annual basis.
We de-risk your portfolio over time. This is our edge.
We don’t let you make emotional decisions.
Remember, Wall Street loves to tell you what to invest in before knowing what you're investing for, but that leads to investing for the sake of investing – which is gambling. There’s a major difference between investing and gambling. Understanding the difference is what separates those who are happy and those who are disappointed with their investment outcomes.
Our method is not fancy, it is not sexy, but it works.
We believe investing should:
Help you accomplish your goals
Be built around a low-cost, passive strategy
Have little to do with your risk tolerance
We believe investing should not:
Begin without a financial plan in place
Hinge on month-to-month or even year-to-year performance
Involve emotions
Planning philosophy
We balance your lifestyle with your future
As a young professional, you have the luxury of time on your side. For that reason, we find ways to support [or upgrade] your current lifestyle while helping you plan for your mid- and long-term goals while minimizing compromise.
We help you stay one step ahead
Our HENRYs are well-educated, but most likely not experts in personal finance. It is our job to ensure your bases are covered, and have all the information you need to make informed and proactive decisions.
We protect you from yourself
We help you break free from bad money habits, preconceived notions, and old-school advice (like skipping morning coffees or buying a home is the best investment.) We emphasize intentionality by addressing the link between your goals and the investing/savings strategy that helps you accomplish them.
We find opportunities for efficiencies
Most people think smart money management requires micromanagement. Wrong. Our goal is to check things off your to-do list, not add to it. We automate as much as humanly possible by teaching you how to take advantage of tech that will set you up for success.
We give a damn
We are in this business because we care about young professionals. The numbers are the easy part. Financial planning can be a vulnerable experience. The guidance we give you today has the ability to impact more than just the numbers on your financial statement.