Our Philosophy

At IQ Wealth, we believe you have more important things to do than worry about money. Money is valuable because it buys you time. The better and more reliable your cash flow, the more time you have to enjoy what’s important.
Money is Freedom, and Time Is Our Most Precious Commodity.
“How did it get so late so soon?”

― Dr. Seuss

Freedom is being able to do what you want to do, when you want to do it. Not everyone gets to experience true freedom in this world. Those of us who are fortunate to see opportunity, take hold of it, and nurture it may one day enjoy the sense of financial freedom that comes with knowing your bills are all paid, your debts are paid, and you have plenty of surplus income beyond your needs. Time is our most precious commodity, but without money in the amounts required, we may squander our time on pursuits that lead nowhere. Retirement, properly managed, finally gives us the time needed to attain freedom, to explore our dreams, to deepen our relationships, and to get more living out of life. Our clients share in the realization that by coordinating and managing key financial decisions today, they can achieve their important goals for tomorrow.
“Life is a journey, but it takes money to get there.”

Money itself gives us no real joy. But money can lead us in the direction of the things that matter, and help us to achieve a sense of accomplishment. In the real world, you need money to buy you the time to live life on your own terms.

In the future, especially in retirement, the amount of cash FLOW you have will matter more than the sum total of all your cash.

Prior to retirement, your goal is to build the biggest lump sum you can. We all do it–it is one of the key reasons we get up and go to work in the morning.

After retirement, the work goes away– as does the paycheck. At that point, the function of money changes. As much as you may hang on to the habit of saving and growing your capital, you may miss the mark. As you move from pure saving and growing to preserving and spending, many habits must change.

Once the steady paydays from work stop,   you will only experience the freedom you desire if you have ample, steady, surplus cash flow.

ROI = Return on Investment prior to retirement, Reliability of Income after retirement. 

If you want to be happier in retirement, start focusing on income and cash flow. Rather than putting growth first and taking risks that may torpedo your dreams, start putting income first.

Your strategy for  income and growth, should give you that freedom, without concern for market outcomes.  Your assurance of steady reliable income can make you feel more confident about the future. That confidence should not be based on optimism, but rather a knowledge that you have the right assets, working the right way, in the right plan.

Our investment philosophy is formed in part by the current economy, where previously unimagined circumstances have become long-term trends. Whoever really thought we would see interest rates this low?

Our objective is to provide our clients with the highest level of service and technical expertise in the management and preservation of their wealth and hard-earned savings.

We have the team and the tools to get you on track and keep you there.

Because of the reduced time in retirement to recover from bear markets, we believe this is no time to get fancy with your money.

While some advisors think its just fine to rely on the good graces of the stock market to deliver in the “long run,” we think your long run –or at least a large part of it — has already arrived.

You need success now, not just “out there” somewhere.

Our clients share in the realization that by coordinating and managing key financial decisions today, they can achieve their important goals for tomorrow.

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