HOW MOENIO WORKS
Are You Getting the Best Advice
With over 600,000 advisors in the US, how do you know you work with the best?
Is your performance meeting and exceeding your goals and needs?
Are you paying “fair value” for what you receive?
MOENIO is an unbiased and independent firm helping our clients find, evaluate and monitor the performance and advice required by wealthy individuals, families, and organizations.
What We Do For Our Clients
At MOENIO, we begin our investment analysis with three key questions:
- How has your portfolio performed over one-year, three-year, and five-year periods?
- Has your portfolio performance met or exceeded your goals and expectations?
- Do you believe you’ve missed out on market opportunities?
It’s not about beating the markets – it’s about finding and working with an advisor who consistently delivers risk-adjusted performance results with your goals in mind.
Understanding how your performance is measured against key benchmarks is essential to the success of your personal and financial goals.
- Have you established benchmarks with your advisor?
- Do you know how to evaluate your advisor against those benchmarks?
- What are the right benchmarks and do you review these with your advisor?
MOENIO works with you to establish objective benchmarks and properly evaluate your advisor’s performance against those benchmarks. Check out our Benchmark Calculator below.
You pay your advisor to navigate the complexities of investing, down to the details of selecting the right equities, bonds, ETFs, and fund managers within each class of investment.
- How do you know your advisor has chosen the right investments?
- How have these investments performed relative to other investment options they could have chosen?
At MOENIO, we believe it’s critical to understand WHY your advisor makes one decision versus another when it comes to investments. We compare and contrast the investment choices made on your behalf to evaluate whether those decisions are the right ones or, more importantly, to hold advisors accountable.
Portfolio construction is built upon the asset allocation choices made on your behalf. Should an advisor overweight equities versus bonds? If equities, should it be Europe or the United States?
Each allocation choice has an impact felt throughout the portfolio ultimately resulting with your total return.
MOENIO evaluates the allocation choices made by the advisor so we can understand how this map to the goals you’ve set for the future.
Once an advisor makes an allocation decision their next step is to choose the proper investment vehicle.
When finding an advisor, or evaluating an existing advisor, we want to understand what vehicles they utilize for their clients; mutual funds, ETF’s, individual stock and bond selection, private equity, hedge funds, and more.
- Why a mutual fund compared to an ETF
- Why Individual stocks compared to a money manager
- Why a bond manager over individual bonds
Our goal is to understand any biases towards certain investments, the advisors process when choosing on our clients behalf, and how they implement their choices.
Now that we know the asset allocation and product choices made we want to evaluate how these choices impacted our client and their total return.
- Did the allocation and investments perform as planned?
- If no, how did the advisor adapt to the changing situation?
- If yes, did they make changes based on success?
In evaluating and comparing we want to understand their process and how they manage money for our clients in a changing environment.
The top priority when working with a client is very simple, “Are their goals being met?” Financial Advisors, bankers, brokers, and other investment professionals are hired to manage assets to meet a client’s goal.
In our analysis when finding a new advisor, evaluating an advisor or providing continuous performance monitoring, we want to know:
- Is the goal clearly understood by both the client and the advisor?
- Is that goal being met or not?
What is delivered to our clients on a quarterly, semi-annual, or annual basis at their review meetings?
- Is the review information clear and concise?
- Are returns for the various parts of a clients account clearly understood and articulated easily?
We want to be certain our clients are receiving the metrics important to meeting their goals where they, and we, can fairly judge the success of the portfolio. A client should expect:
- Total return
- Benchmark comparisons
- Allocation comparison
- Investment decision matrix
At MOENIO we have two absolutes. 1) Wealthy individuals and families need advisors. 2) Advisors should be paid for the services and advice they provide.
- How much should a client pay?
- What are you paying?
- Is it a “fair fee” for the investment advice you receive?
- Is your fee above, below, or at the average for your assets?
We help our clients understand their fees and “fair value.” Check out our fee calculator below
Who We Serve
As people are walking all the time, in the same spot, a path appears.
At MOENIO, we help our clients find those advisors who have already forged a path where they need to go.
Many advisors claim to be experts at working with wealthy families, but the truth is more complex. Truly outstanding advisors work with wealthy families on a variety of issues, skillfully weaving together solutions that benefit their clients’ unique situations.
The best family advisors are experts at:
Multi-generational planning and how it affects all family members
Teaming with accounting professionals to coordinate tax planning with investing
Working with tax professionals on estate tax issues
Managing assets for all family members using cash flow analysis and financial planning as a cornerstone to building solutions.
Are you getting the right advice?
Sale of Business
The sale of your business is an important life milestone, and the challenges lying ahead often add extra layers of complexity. We find advisors with expertise in this area not only recognize these complexities, but also help their clients plan ahead with clear insight and wisdom.
Top advisors consult their clients and have expertise in these areas:
Pre-sale planning coordination with legal, tax, and valuation experts
Estate planning transfer and trust coordination – they understand it
Integrated financial planning for post-sale investing and long-term growth with safety and risk in mind.
A network of other entrepreneurs for when their client says “It’s time to start again.”
Divorce is a difficult emotional and financial event that compounds the challenges we all face in our lives. Adding wealth to the equation increases complexity requiring an experienced professional who has handled divorce situations on either side invaluable.
For managing finances surrounding a divorce, the best advisors excel at:
Managing the divorce, from pre-planning through final execution of the divorce – their at the table
Partnering closely with a divorce attorney and forensic account when needed – recognize needs
Understanding cash-flows and post-divorce planning for ease-of-life once the divorce is finalized
Helping create financial solutions when children are involved
Proper execution of trusts and trustees has always been an integral part of wealth management and planning. From legal complexities to the limitations often imposed by the trust, an advisor must be well versed in the structure, language, and challenges surrounding trusts.
An outstanding advisor experienced in dealing with trusts should know:
How the different types of trusts impact their clients’ finances
The investment options available and their impact on the financial goals of their clients
The common missteps and pitfalls that can lead to legal, tax, or other problems for their clients
The resources needed to answer questions correctly and quickly as situations arise
Receiving an inheritance can be highly emotional, and the stress of the events combined with the details surrounding inheritance can be overwhelming. You need the right team to help you understand how the inheritance should fit into your overall financial picture.
When managing inheritance, the best advisors should possess:
The ability to understand family dynamics and the impact inheritances can have
An expertise in developing cash-flow analysis with strong educational support to help guide decisions
Excellent interpersonal skills, because telling someone with new money “no” is often times the best advice
More and more, the makeup of wealthy families spans beyond one nationality, and so do their business interests. As a result, the needs of these international families are complex. Their financial and legal situations are often complicated, and there can be many pitfalls—and also great opportunities. Many advisory firms deal with international clients, but how many truly understand the complexities?
The best international family advisors know:
The challenges clients face when investing in jurisdictions beyond their own
How investments and taxes will impact their clients – recognize where to go for answers
Which booking centers offer the most valuable solutions for a client’s needs
Family and multi-family planning in relation to where they live and visit – taxation and visa issues
At Moenio we’ve created a proprietary system for examining all facets of an advisor’s business.
We’ve created a process to help you make the important decisions.
Let us show you how we help our clients.Get Peace of Mind
- Evaluating My Advisor
- Ongoing Monitoring
- Finding An Advisor
How have you performed?
Have you performed at least to your benchmarks?
You should judge the performance of your portfolio with risk-adjusted returns in mind. A good place to start is to see how your portfolio’s performance measures up against key benchmarks.
Step 1: Pick a year.
Step 2: Pick your portfolio’s benchmarks and percentages.
Step 3: See how your portfolio compared.
How much are you paying?
At MOENIO we believe you should pay “fair value” for the advice and service you receive but we evaluate fees differently. Rather than look at fees for one year, we want to understand the total cost over three and five year.
How much are you paying?
Step 1: Enter the amount of your assets
Step 2: Either enter your total fee or use our slide ruler
Step 3: See how much you pay over one-year, three-year, and five-years