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An Overview of Our Services

Sweetwater Financial Advisors, LLC (SFA), provides personalized wealth management and financial planning services to individuals and their families. Following is a summary of our services, the values from which we operate and an explanation of our proprietary investment program.

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Our Services

We serve professionals, executives, and families with comprehensive wealth management services, accompanied with the highest level of service and integrity. We earn no commissions on trade activity. We are compensated on a fee basis, through a percentage of the value of assets managed. SFA operates as a team, combining the skill and background of all firm members on behalf of our private client group. Our approach is based on first securing a permanent financial foundation for our clients. From this foundation, we execute a plan to protect and increase net worth.

This goal is accomplished through a proven investment selection process combined with careful planning, ensuring that our clients:

Through personal consultation with each client, we familiarize ourselves with a client's personality, family situation, assets, and comfort level regarding investment suitability. As part of this comprehensive planning process, we estimate cash needs based on current and anticipated expenses. The result is an integrated budget, financial plan, and investment portfolio - tailored to meet the specific goals of each member of our private client group.

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Our Specific Investments

Our investment candidates are sifted through an extensive screening process. Sweetwater Financial Advisors possesses two very important characteristics: freedom to choose from the full spectrum of investment choices, and unencumbered objectivity in selecting them. Risk weighted opportunity for growth; this guides our specific decisions on investments.

SFA primarily utilizes no load mutual funds - rather than individual stocks or bonds - as the avenue to equity and bond markets. In addition to these mutual funds, SFA utilizes Publicly Traded Partnerships (PTPs) such as Master Limited Partnerships (MLPs), as well as Canadian Royalty Trusts (CanRoys). We also have access to top tier Separately Managed Accounts, as well as Exchange Traded Funds (EFTs), and will employ them when deemed appropriate. We analyze potential investments based on numerous statistical characteristics including Alpha, Beta, Sharpe Ratio, Price-to-Earnings (P/E) Ratio and capital gains exposure. In addition to these objective guides, we carefully analyze how, and to what extent particular investments perform in both bull and bear markets. Additionally, we compare the historical trends of particular investments against benchmarks such as the S&P 500, the Dow Industrials, and balanced indexes. Our extensive knowledge of the industry's most proven money managers further adds value to our selection process.

Upon completion of this rigorous grading process, few suitable investments remain. At this point, the principals of SFA combine their experience, determining which investments create a portfolio that maximizes gains, while minimizing losses. The result is a highly screened, diversified portfolio that maximizes the risk vs. reward relationship. In other words - The All Seasons Portfolio.

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The All Seasons Portfolio

The approach described in the preceding sections is integrated to form the SFA investment program. Our program creates stability and growth opportunity while minimizing risk. The result: peace of mind - creating more time to focus on important areas of a meaningful life - faith, family, friends, and chosen professions.

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Privacy

SFA respects and guards the privacy of its clients. We are committed to maintaining the trust and confidence of our clients. One way we do this is through a written privacy policy. We maintain physical, electronic, and procedural safeguards that comply with our professional standards. Keeping client information secure and private is a priority for us.

View our privacy policy.