500 Newport Center Drive, Suite 500
Newport Beach, CA 92660
Phone: (949) 721-2330
Fax: (949) 721-0734
540 University Avenue, Suite 300
Palo Alto, CA 94301
Phone: (650) 326-2274
Fax: (650) 326-4474
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October 2008 Uncertain
Times
October 2008
Laura Tarbox
Worth Magazine's Top 250
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The Tarbox Group, Inc. is a fee-only wealth management firm, and is registered as an Investment Advisor with the SEC. Fee-only means that we do not take any commissions, trails, referral fees, or "kickbacks" from any sources. We work for, and are paid by, only our clients. We always work in your best interests, because the more successful you are, the more successful we are.
Founder Laura Tarbox has over 29 years of experience in investments and financial planning.
The Tarbox Group, Inc.'s clients appreciate personalized service from a familiar group of professionals. Our staff, which includes four CFP® certificants, a CPA, a CFA and an attorney, works together as a team to provide comprehensive wealth and investment management services.
Because each of our clients has a unique situation, fees are quoted on an individual basis, after an initial meeting. Generally, comprehensive fees will range from 0.50% to 1.00%, and will be based on investable assets or total net worth, depending upon services required.
Minimum account size for investment management is $5,000,000. Exceptions can be made for special situations. Investment management services are billed quarterly in arrears on the basis of a percentage of assets under management.
Wealth management and financial planning are generally provided at no charge to our investment management clients. We normally do not offer wealth management or financial planning services on an hourly or project basis to non-clients.
We are not stockbrokers. Stockbrokers work for brokerage firms (rather than their clients) and make their money by investing in products sponsored by their firm to earn a commission or fee.
We are not insurance agents. Because we don't sell any insurance, we can give you objective advice on the type and amount of insurance products you may need. We have the practical experience to help you implement your insurance needs through your resources or ours.
We are investment advisors and financial planners. We charge a fee to manage your investment accounts and to advise you on any financial matters.
Wealth Management starts with the evaluation and review of financial concerns, risks, and objectives. We suggest strategies to accomplish the agreed-upon goals, and use a hands-on implementation and follow-through process once decisions are made. This process usually involves some or all of the following steps:
- establishment of short and long-term goals
- review of current cash flow
- calculation of net worth
- analysis of existing insurance coverage
- investment portfolio analysis and coordination
- exploration of stock option exercise strategies
- review of employee benefits
- analysis of education funding alternatives
- planning for retirement income
- development or review of estate plan
- evaluation of charitable giving alternatives
Investment Management is implemented as part of a client's overall plan and involves the management of your accounts on an ongoing basis. The investment management process includes:
- analysis of your current investments in relation to your individual tax situation, income needs, and goals
- establishment of a mutually agreed-upon Investment Policy Statement, including selection of a target asset allocation
- rebalancing your portfolio to match your individual risk tolerance and investment time horizon
- ongoing portfolio management - purchases and sales of securities to meet your long-term objectives and short-term needs
- quarterly performance reporting and portfolio position summaries
- detailed annual tax reporting
For trusts, non-profit and charitable organizations or foundations, we can provide consulting, investment management, and evaluation services.