All Season Financial Advisors

Financial advisors play a key role in ensuring that accumulated wealth is an asset and not a liability. Therefore, it is imperative to engage the services of an advisor with a well-established track record of accomplishing this goal. A straightforward method to validate such expertise is through a thorough review of their client history and attrition rate.

All Season Financial Advisors outshine most here, operating since 1994 with clients of more than two decades.

Offering comprehensive wealth management services, the firm specializes in risk-managed investment strategies with integrated financial planning, tax strategy, and estate planning.

“Financial risks include outliving your money, insufficient savings for family needs, tax inefficiencies, cyber security threats, and inappropriate investment strategies. These concerns require management on multiple fronts, integrating the expertise of financial planners, estate planning attorneys, and investment managers,” says Sam Jones, president of All Season Financial Advisors.

In response to these, the firm approaches risk management through a multifaceted lens, addressing the various concerns that impact households. This holistic perspective allows the firm to serve a broad range of clients effectively and their unique challenges.

One of the common challenges clients face is rooted in behavioral economics. They grapple with maintaining discipline in their investment approach and struggling to adhere to their financial strategies during turbulent market conditions or when presented with seemingly attractive alternatives. In such scenarios, All Season sets realistic expectations, helping clients navigate extreme market highs and lows and ensuring that they stick to their prescribed asset allocation.

All Season’s client base primarily centers around households with a net liquid investment of one to ten million dollars. However, the clientele that finds the most value in All Season’s services are families interested in wealth transfer across generations. This is where the firm’s role resembles that of a family office, addressing the intricate needs of high-net-worth households.

With the ever-increasing complexity of wealth transition, such as transferring liquid assets and real estate properties, All Season facilitates a seamless, tax-efficient, and proficient transfer of these assets. Its services also involve aggregating financial accounts, compiling a comprehensive inventory of personal assets, and establishing an organized repository for easy access and visibility. This structured approach enables them to effectively quantify, monitor, and assess the estates.

To cater to the unique needs of its clients, All Season offers a diverse portfolio of nine distinct strategies categorized into active and passive strategies.

All Season’s four passive strategies are akin to traditional index asset allocation models, comprising a mix of low-cost index exchange traded funds (ETFs) and a blend of stocks and bonds. Periodic adjustments are made to these portfolios through strategic tilting, tax-loss harvesting, and rebalancing.

While three of these strategies fall under the index-based approach, the fourth introduces a custom indexing solution, where traditional indexes are deconstructed into individual components.

Among the remaining five strategies, All Season’s flagship is the All Season strategy, a personalized hedge fund for individuals. It transcends conventional limitations, permitting investments in asset classes from a multitude of domestic and international sources. It also empowers investors to take positions in commodities or gold, go both long and short, and actively trade indexes and ETFs. This strategy, representing roughly one-third of their total assets, is marked by its tactical flexibility.

The firm also has two specialized income-only models tailored for retirees and those averse to high risks. One of these models leans towards tax-advantaged income generation, while the other is designed for retirement accounts.

All Season has a multi-asset income strategy with a dividend-focused approach that taps into equities, bonds, and credit market securities. By primarily using preferred securities of closed-end funds and ETFs, it generates yields well above the market interest rates, with the current yield standing at an impressive eleven percent.

The Worldwide Sectors strategy is one of the firm’s long-standing approaches focused on thematic investing such as software, cyber security, and home builders, complemented by domestic and international ETFs.

One recent client success story underscores the company’s ability to guide clients toward financial stability. All Season assisted a young family in their forties who had accumulated an excessive amount of real estate in their portfolio to accommodate their growing needs. However, the family’s strategy of accumulating properties without selling existing ones increased debt and financial stress.

All Season conducted a thorough net worth analysis and demonstrated that this approach was unsustainable. After the firm’s intervention, the family decided to sell multiple properties and shift to a more sustainable investment approach. Their stress levels decreased, and they began to save for their children’s education and retirement more effectively.

Scripting similar success stories, All Season boasts a legacy of nearly 30 years in the industry, a testament to their unwavering commitment to their clients. With a client-centric approach, a holistic perspective on risk management, and a diverse portfolio of services, All Season is well-positioned to help clients achieve their financial goals.