What we do
What Makes Us Different
Whether your wealth was accumulated from savings, from the sale of a business, or passed on from an earlier generation, we understand the importance of protecting your wealth. We also understand that it can be a delicate balancing act between wealth preservation and achieving the financial goals that you have for your wealth.
With the Valmont Chamandy Malkoske Group you won’t find sterile questionnaires and you won’t be boxed in to a profile.
We then build the best financial solution for your specific situation driven by our shared desire to maximize your after-tax returns, and protect your downside. The financial plan we build together is an invaluable component of this process.
What we do
Our Goal
Our ability to deliver results hinges on having a good understanding of your needs. We start with a blank piece of paper and pen, and we take the time that is needed to truly understand your needs and motivations. We are here to answer any questions you might have and to provide you with the information you need to help you make the best possible decisions.
Our goal is to offer a comprehensive wealth management solution. We use the same solutions for our clients that we use for our own families. Part of our success is driven by limiting the number of clients we serve, as well as by including the right mix of outside professionals, and sitting down with our clients face-to-face.
We work to maximize your personal financial results.
We do this through:
Portfolio planning with a focus on after-tax return
- We optimize the asset allocation and security selection between taxable and non-taxable accounts.
Financial planning
- Prepare and maintain an up-to-date financial plan that can serve as a roadmap to help guide our decisions and help measure our results.
Personal tax allocation and planning
- Optimized income splitting
- Maximize after-tax retirement income
- Work to lower taxes due upon distribution of your estate
What we do
Who Benefits From Our Approach
The decision to hire a wealth manager is an important one. It shouldn’t be made lightly on either side. We encourage you to think about these questions-knowing there will be many more as we mutually assure ourselves that there is a fit between what we do and what you need:
- Do you have capital you are serious about preserving and growing versus “playing” the stock market?
- Do you have a time horizon for your wealth that is more than three years?
- Do you want to engage professional portfolio managers to assist you?
- Will you work with us by keeping us updated as to any changes in your circumstances?
If you answered yes to any of these questions, there may be a fit between what we do and what you’re looking for.
