Profile Alan and Gloria are in their late 30’s, a Financial Manager and a Technical Support Engineer with $300,000 in a retirement account and $200,000 in a non-qualified account. They now plan to start a family.
Investment Goals
Alan and Gloria had wealth building goals, but, as they began to plan their family they need for a larger home they wanted to refocus their goals. At their semi-annual investment review, SIFF helped them refocus their goals.
SIFF Analysis SIFF’s financial profile for Alan and Gloria determined that in their new situation they had changed from aggressive to conservative in order to take on a bigger mortgage. Their risk tolerance decreased and their cash flow sensitivity increased.
Solution
SIFF pointed out that their investments were performing ahead of projections and that by capturing gains through liquidating one of their holdings, they would be able to support the purchase of a larger home. Gloria was also able to move to a lower-paying job with set hours to accommodate a young family. SIFF provided a pricing strategy for the property they sold based on market conditions and guided the clients on issues such as repair credits and concessions to optimize the return. “With their deep knowledge and local expertise, SIFF gave me the confidence that I maximized returns to achieve goals in our life,” Gloria said.
“Investment property is the right fit for my financial goals and I would not have known how to make intelligent purchases without SIFF’s guidance. I highly recommend them and would be happy to speak with anyone who is interested in using their services.”
-- Mark R., finance manager, San Francisco, CA
The smart alternative to investing on your own.
We offer full-service real estate investment advice. From developing an investment plan to finding property, hiring property managers, and on-going evaluation of your real estate investment portfolio. Our strategy is to look for markets with the following characteristics:
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Diversified and healthy local economy;
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Steady, not astronomical, real estate appreciation;
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A healthy gross rent-to-value ratio, so that clients can realize an attractive after-tax cash flow;
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Reasonable supply of target multi-unit properties.
We typically recommend purchasing properties in the 2-4 unit range for the best combination of appreciation and cash flow, although single family properties or larger apartment complexes will make sense for achieving client objectives.
