Our Clients

About

Our Clients

Broadhurst Financial's clients have achieved their success in different ways. Some are business owners, others are professionals, and still others are executives. But our clients are all very similar in what they expect from a financial advisor.

They know that most "advisors" are really salespeople. Wall Street brokerages, insurance companies, even bloggers and newsletter personalities provide advice, and in every case, their advice is colored by their sales-driven agenda. You can get lots of free financial advice but rarely can you get advice from someone who isn't trying to sell you something. Truly unbiased and impartial advice from a professional is actually quite difficult to find. However, you will find it at Broadhurst Financial Advisors.

Our clients insist on receiving professional advice that is truly unbiased from a firm that is focused on helping them meet their goals, period. They know that Broadhurst Financial is an independent firm, sells nothing but advice, and has no hidden agenda whatsoever.

CUSTOMIZED SOLUTIONS

Each Broadhurst client has unique goals and circumstances, and we take pride in delivering smart, unique solutions to each client. Client profiles help to tell the story.

BUSINESS OWNERS

As an entrepreneur and business owner, Jeff Broadhurst finds satisfaction in helping busy fellow business owners simplify their financial lives. Business owners appreciate our collective understanding of their unique challenges and busy schedules.

Here's an example....

Judy, age 63, had spent two decades building a successful software firm that helped drug manufacturers navigate the FDA approval process. She turned to Broadhurst when she decided it was time to slow down and plan for retirement.

Jeff helped Judy define her goals, create a plan and prioritize action steps. A key goal was crafting a successful exit and transition strategy. We didn’t just advise Judy, we worked side by side with her to help guide the transaction to a conclusion.

Working with our team of outside experts, we ensured that Judy was able to maximize the profit from the sale of her business. And we minimized taxes resulting from the sale, in part by setting up a donor-advised fund.

Like so many business owners, Judy had contributed incalculable sweat equity, and had constantly reinvested her profits into growth. She hadn't saved much for retirement. So it was critical that the sale proceeds be invested and managed wisely. It was vital to design a prudent portfolio withdrawal process. And it was essential to create a wealth transfer plan for her family. We worked closely with Judy to develop a comprehensive strategy that includes prudent investment allocation, a spending plan and estate planning for tax-efficient wealth transfer.

PROFESSIONALS

Many of our clients are attorneys, physicians and other professionals with little time to manage their finances. They appreciate their consultative relationship with Broadhurst Financial Advisors.

Here's an example....

Robert, age 42, was a successful professional—and an extremely busy one. Working 70 hours per week as a partner at a large law firm, he had accumulated significant wealth. But his assets were scattered among various brokerage firms.

With little time to manage his holdings, and even less of an idea of how his investments were performing overall, Robert turned to Broadhurst Financial. Analyzing his total household portfolio, we found significant opportunities to increase returns and reduce risk. What’s more, we identified and eliminated unnecessary expenses and tax inefficiencies.

We helped Robert consolidate his far-flung accounts, and the benefit was immediate: A 28% improvement in tax efficiency and a 63% reduction in investment expenses. Furthermore, by following our guidance, Robert created a risk-appropriate, globally diversified, tax-efficient portfolio of cost-effective institutional funds. As a result his portfolio now has a higher expected return with lower risk.

And Robert has reaped a windfall of time and energy. Not having to concern himself with numerous brokerage accounts, he is free to focus more on practicing law and enjoying his family.

EXECUTIVES

Located in the shadows of Merck, Broadhurst Financial Advisors has helped many pharmaceutical executives to simplify their financial lives and transition to retirement.

Here's an example....

A vice president at a pharmaceutical company, David, age 54, needed help orchestrating a number of financial priorities. They included retirement planning, college planning, long-term care insurance and 401(k) investment selection.

A looming question for David: How to pay college expenses for his two high-school-aged children. With the benefit of a 40% tuition allowance through his employer, he had never opened college savings plans. David wondered if he should use loans to pay for the additional college expenses. If not, from where should he draw funds?

David also needed investment allocation advice on his 401(k). And given looming college costs, he was uncertain about how much he could continue saving for retirement. David’s swirl of questions would soon be replaced with clear answers.

In analyzing his household debt structure, we found that his home loan could be refinanced at a much lower rate while extracting equity. The resulting monthly savings provided crucial cash flow for college and retirement saving. Analyzing potential sources of funds for college, we found the best investments to sell first with the least tax consequence. We also found losses to harvest in order to offset the gains, which eliminated tax liabilities. In the process, we repositioned the investments in David’s taxable and retirement accounts in a way that reduced costs and increased tax efficiency.

Financial Advice

When you receive financial advice, it should be in your language—simple,
straightforward and clear. That's what we provide at Broadhurst Financial
Advisors, Inc. And our guidance is never swayed by commissions:
As a fee-only firm, our sole mission is to give you the best advice possible.

Let's Get Acquainted

We offer a complimentary "Get Acquainted" meeting to describe our services, and to see if our services are right for you.

Get In Touch

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Our Process

About

Our Process

Broadhurst Financial Advisors comprehensive process pulls your financial plan together. Working alongside you, we provide total wealth management to simplify your finances. Our process eliminates the problems that can occur when you must manage multiple advisors. We don't promise quick answers or easy solutions. Instead, we offer a prudent process with a long-term focus that allows you to meet life's most important goals. Our process includes:

Understanding where You Are Now...                                                                                                                     ...and where You Want to Go

How do we understand your needs, concerns, hopes and dreams?

  1. Discover: In our first meeting, we explore your true financial needs, goals, concerns, and evaluate your current financial position. We begin to understand you and your situtation.
  2. Plan: With a thorough understanding of your current assets and liabilities, we meet to suggest a customized asset allocation for you and explain how it will improve your portfolio and better achieve your goals.
  3. Commit: Once you have had a chance to review your improved portfolio for a week, we meet again to answer all of your questions, respond to any concerns, and then mutually commit on to implementation.
  4. Implement: We move your investment strategy forward, consolidate positions, transfer your assets to the custodian, simplify your statements and ensure you have online access 24/7.

With our process, we take the time to understand what matters to you, and then design solutions around your preferances and goals.

Putting Your investment Plan into Action

How do we develop and implement an investment plan that is "right" for you?

  1. Assess Your Risk Capacity: Using our discussions in the Discovery meeting and your risk evaluations, we measure your unique risk tolerance. We determine your ability and willingness for risk.
  2. Design Appropriate Allocation: By using state-of-the-art portfolio modeling software, we create investment portfolios that balance long-term performance with minimized risk. We identify a portfolio that matches your capacity for risk with your comfort for risk and your financial plan.
  3. Implement Your Investment Strategy: With the investment policy understood, we choose the appropriate investments to achieve your goals. We construct a risk-appropriate, globally diversified, tax-efficient portfolio of low cost DFA funds.
  4. Locate Assets: We consider the tax implications of asset location. Different assets have different tax characteristics.  We put the tax efficient into your taxable accounts and tax inefficient assets into your IRA accounts.
  5. Monitor Your Portfolio: Even with the "right" asset allocation strategy it is critical to track and evaluate your portfolio's performance against a risk-appropriate, diversified benchmark, as well as common, industry standard benchmarks.
  6. Rebalance Asset Winners: Periodically we realign your investments when out of balance by certain tolerance levels. We may sell winning assets to keep your asset allocation in balance in your IRA accounts, while avoiding realizing gains in your taxable accounts.  We will meet with you quarterly to review progress and explain necessary portfolio changes.
  7. Harvest Tax Losers: We may opportunistically sell positions that have gone down below their original cost, and thus "realize" a loss so that you pay less tax, or offset future gains with no tax bill.

With our process, your investment strategy goes hand-in-hand with your tax strategy, which can add significantly to your after-tax return.

Consultative Wealth Management Solutions

phase3After we've agreed upon and established your investment plan, we begin to discuss and implement your wealth management plan. We draw a detailed road map to help you get where you achieve all that is most important to you. This part of the process includes ongoing consultation:

  1. Expert Team Meeting: We discuss your situation with our team of experts and begin to identify unique solutions for you, including risk management, estate planning, tax strategy, and legacy planning.
  2. Advance Planning Discussion: We meet with you to discuss the recommendations from our team of experts and prioritize the action plan with you.
  3. Review and Monitor: We regularly evaluate your investment portfolio and other solutions to ensure they are sound and appropriate.
  4. Regular Progress Meetings: We will regularly meet with you to review your progress to make sure your financial plan remains in line with your goals.
  5. Adjust Your Plan: As life changes, so do your goals and situation. We suggest appropriate changes in strategy for your stage of life.

With our process, the unique wealth management solutions we provide can significantly add value, save you money, lower stress, reduce taxes and avoid expensive mistakes.  We help you make smart financial decisions.

Financial Advice

When you receive financial advice, it should be in your language—simple,
straightforward and clear. That's what we provide at Broadhurst Financial
Advisors, Inc. And our guidance is never swayed by commissions:
As a fee-only firm, our sole mission is to give you the best advice possible.

Let's Get Acquainted

We offer a complimentary "Get Acquainted" meeting to describe our services, and to see if our services are right for you.

Get In Touch

Continue reading

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Meet The Team

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Why Choose Us

About

Why Choose Us

At Broadhurst Financial Advisors, helping our clients meet their financial goals is a commitment we take seriously. We believe that we offer an unmatched combination of comprehensive service, high ethical principles and investment management that is based on the best science available.

COMPREHENSIVE SERVICE

True wealth management involves more than just a financial plan or an investment portfolio. It requires coordinating all the aspects of your financial life in order to achieve the life goals you want as efficiently and quickly as possible. That's why we've developed a "Total Wealth Management" approach that encompasses:

  • Financial planning
  • Tax planning
  • Estate planning
  • Risk management
  • Charitable giving

Broadhurst financial plans are created by our advisors in partnership with highly regarded outside experts. Our plans reflect a depth of knowledge—in financial analysis, asset management, risk management, tax and estate law—that few can match.

At the heart of the process is a deep and ongoing relationship with those we serve. We work closely and attentively with our clients throughout our relationship—from developing customized plans to monitoring and fine-tuning them over the years.

SCIENCE-BASED INVESTING

Your wealth and your financial goals: They are too important to jeopardize with investing that's based in hype and speculation. At Broadhurst, we insist on an approach that is firmly grounded in science.

Using low-cost, tax efficient investments, we create portfolios that harness cutting–edge research to capture asset-class returns while minimizing portfolio risk. Broadhurst is proud to be among the select firms approved by Dimensional Fund Advisors to give clients access to their passive funds. Please see our "Investment Consulting" page for more details on our investing philosophy and approach.

UNWAVERING ETHICAL STANDARDS

It's an unfortunate fact that some in the financial industry have abused their knowledge and authority for personal gain. We believe that, now more than ever, financial advisors' motives and actions should be utterly above reproach.

At Broadhurst, we have chosen to adhere to a fiduciary standard of client care: Simply put, we are legally bound to act in our clients' best interests at all times. To help ensure that our advice is unbiased, we refuse to sell any financial product. Our guidance is aimed at helping our clients to successfully reach their goals—period.

Retirement Planning

Where will your retirement income come from? For most people, it comes from a combination of employer retirement plans, IRAs, Social Security, brokerage assets and personal savings. All of these will play a role in your financial independence. However, how do you know which to use first and which to defer for later use? After we explore your needs for retirement and estimate the cash flow you require, a thoughtful approach involves knowing the tax implications of withdrawing from each source, as well as maximizing the long term growth of your potential retirement-income sources. We help clients minimize taxes and maximize growth.

Financial Advice

When you receive financial advice, it should be in your language—simple,
straightforward and clear. That's what we provide at Broadhurst Financial
Advisors, Inc. And our guidance is never swayed by commissions:
As a fee-only firm, our sole mission is to give you the best advice possible.

Let's Get Acquainted

We offer a complimentary "Get Acquainted" meeting to describe our services, and to see if our services are right for you.

Get In Touch

Continue reading

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Contact

  • Phone:
    (215) 325-1595
  • E-Mail:
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